Kidney Stones. Me and help if possible.

My recent CT Scan report showed that my right kidney has stopped functioning due to kidney stones and there is a 20mm stone in my left kidney. My Creat is normal and i don't have any pain. I consulted 3 different Urologist and all 3 gave diverse opinions. First Urologist said first they will have to remove the non-functioning kidney. The second Urologist said they will first surgically remove the kidney stone from the left kidney. The 3rd Urologist said there is no need to do anything. Just do an X-ray every year and keep track on the stone whether its growing or not. I'm totally confused and devastated right now. Don't have an idea what my next step should be. Kindly guide me and help if possible. Thanks in advance.