I think you should Go for free and total PSA
As value of PSA is in grey zone which is 4-10 ng/dl
There is no risk of increased malignancy due to biopsy
Whoever said this to you is absolutely not right as per literature
Next Steps
please go for MRI pelvis with 3T MRI and prostate biopsy if there is suspicious area and PSA ratio less than 0.11
Health Tips
kindly let me know after above