Consult with surgeon leads to more tests/biopsies... and then?

So, in early March I had my annual mammogram, at that time they saw microcalcifications which led to my first biopsy. The biopsy showed an intraductal papilloma, and I was referred to a breast surgeon for excision. Fast forward to my appointment with the surgeon. The appointment was overwhelming. She did an exam, and found a couple of lumps on the side of the biopsy/papilloma (I'm also having some "pathological discharge" which she said could be attributed to the papilloma). She went over my risk, and with my family history, extremely dense breasts, no pregnancies (I just turned 50), she calculated my lifetime risk at 42%. She said with this risk, my insurance would pay for annual MRI screenings. She told me that with the density of my breasts, the likelihood of mammography finding a tumor was very small. Prior to scheduling the surgery to remove the papilloma, she wanted an ultrasound of the left side to get a better look at the lumps, as well as a MRI to make sure there wasn't anything else going on. I just had my ultrasound today, and now I need 3 more biopsies of the left side. The lump that she felt near my biopsy site, which she thought might be scar tissue, is something solid, and there was another solid lump nearby that had "scalloped/wavy" edges on the ultrasound (this was how the radiologist described it as he was showing it to me). The 3rd lump, he felt, was probably normal tissue but he said since we're doing the biopsies on the other 2, might as well check it out. He said he didn't see any evidence of dilated ducts that would explain the discharge. So I've got to do that now, as well as the MRI that is scheduled for next week. On top of all this, the breast surgeon had said I might want to consider going on Tamoxifen to lower my lifetime risk. I guess, this all depends on the biopsy/MRI results. Will this roller coaster ever end?