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The BCG nodule is the normal reaction to BCG. Usually what happens is the surface of the nodule opens up (ulcerates is the technical word) and heals a few times before you finally get a small circular scar which will stay for life. The whole process goes on for about 3-5 months before the final scar is formed. So no you dont need to worry. Keep the area clean and dry.
As for the pneumococcal its completely optional and there are several pros and cons.
Pros: Good protection against pneumococcal meningitis and pneumonia, fairly good against pneumococcal ear infections. Particularly needed for babies who have certain other diseases or attend daycare.
Cons - Expensive. The strains of pneumococci covered by the vaccine havent been proved to be the commonest strains in India (vaccine was meant originally for the Western market) and you can still get all the above diseases from other bacteria.
Should you give it? - If cost is not an issue I say yes. I did give it for my son. Discuss it with your pedi and decide.