https://www.mayoclinic.org/diseases-conditions/hepatitis-b/symptoms-causes/syc-20366802
Hepatitis B information from the Mayo Clinic
I started with a high viral load and Fibrosis = 0, so it's based on viral load yes
Well, you said your doctor recommended treatment right?
We are lay persons here not doctors. For a second opinion about the need for treatment you should probably ask someone who works in the medical field like another doctor experienced in the treatment of hep b and liver disease.