Re: MCL, meniscus, mmmmm!
A few general thoughts:
1) don't rely on MRI for diagnostics as they are notoriously unreliable from facility to facility; an honest orthopedist will admit that scoping for direct visualization is the only way to get a fully accurate diagnosis.
2) If you are willing to forgo all training and other activities that might further damage internal structures, even if they don't seem to add to pain, while allowing it to heal, then do rehab like crazy, then it wouldn't hurt to take a conservative wait and see attitude before going for scoping. Some things will heal nicely without invasive intervention, and if this doesn't at least you will have tried AND it can be easier to do repairs without a lot of the initial inflammation.