Bad news at doctor! Any one please help!

Kat
I had an ultrasound today from pain,spotting and AF for only 2 days in my last cycle. I have a 4.2cm cyst on my left ovary or maybe Fallopian tube ( hard to tell with u/s) and fluid in my Fallopian tubes.  She said I may not be pregnant because of the fluid in my tubes. Has anyone had a cyst the size of mine or fluid in their tubes.
My sister-in-law says to get a DNC and surgery on the cyst I don't know what to do? I always have complications with surgery so I'm very apprehensive of getting it! 
Please anything that can help me answer questions or ask my doctor what questions to ask will be gratefully appreciated!!

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