Turns out they are 90% certain from the appearance that it is malignant. They don't like to do biopsies on the kidneys because it can seed the tumor cells along the track of the needle. Thus they bag it up and take it out in bloc, then do the pathology. I have a friend who a year or so ago had 2 tumors on his kidney, one about as big as mine. Took out his kidney and have found out a week later both of them were benign. I guess I can hope for that result. He liked the facility and the surgeon and I am using the same one.
If you have not had your abdomen scanned in years everyone should at least get an ultrasound - they are pretty cheap especially considering the things that might be caught early. Doc says I have probably had this one for years, growing about half a cm per year. Would have been nice to have found it when it was smaller, but I am glad it was found now otherwise I would still not know.