Microscopic hematuria

12 years ago I had microscopic hematuria and doctor did bladder biopsy with negative results. No followup was needed. Went to urologist recently and still have microscopic hematuria. (A few self tests over the years indicated it never stopped). New Doc odered a CT scan of pelvis which showed "diffuse mild mural thickening" of the bladder wall. I found a NIH study that says "Bladder cancer only rarely causes diffuse symmetric bladder wall thickening. New doc now wants to do systoscopy. I am hesitant to do this because of the pain involved. Male 80 in good health. Any thoughts?