Carbonfiberboy 

I tore mine at about 60. This is science not poetry. Doctors are scientists. Get thee to a doctor. You'll probably need an MRI and then a referral to see an orthopedist. Of course if you don't "visit the doctors" maybe you don't have insurance and that's the source of the hesitancy. There's a reason most folks have health insurance.

The "listen to your body" admonition always follows injury. Why? Because until you get injured you don't know you're doing something wrong. The whole story of being a forever athlete is get injured, get it fixed. The reason we don't see many older hikers out on the trail is because all the rest got injured and had to quit. Well, some of them got fat. That's self-injury. The bike is similar. Out of 130 private ride club members in 2000 we get maybe 10 riders on a nice day.