I really need some advice ladies.

My fiancé and I recently got our BFP on 3/24/20. Excited of course as this is the first child for us both. I was prescribed Letrozole to stimulate ovulation due to having PCOS. I conceived the first round. Started spotting two days later Cher BFP. I went to the ER and was told my HCG level was 55 and that it was a threatened miscarriage. I was discharged and advised to follow up with my OB. I went that following Monday. My OB did an ultrasound and there was a small black dot, she stated my lining looked good and I was only 5 weeks and 2 days according to my last cycle. She also stated it was too early to see a gestational sac and sent me for HCG blood test. I did that over the next the next few days. Levels continued to drop 55, 47 and then 31. She then told me I was having an ectopic pregnancy. I started bleeding heavier a few days later. It was a heavy flow and I had lots of clots. I didn’t have any pain at all. I was worried I needed surgery or a shot to end the pregnancy. My OB assured me that no further treatment was needed. I stopped bleeding after 4 or 5 days and decided to take another a pregnancy test. It was negative. Did a lot of research and I haven’t come across one woman yet who didn’t experience pain or not needing any medical treatment after an ectopic pregnancy.This has me wondering was it really ectopic? How could she be sure? She didn’t do any additional tests (pelvic exam or swab).I was thinking about getting a second opinion, but want I don’t know if I’m over thinking this.Please any advice would be so helpful.Does this sound like an ectopic pregnancy or miscarriage? Thanks in advance