Thanks for all the replies.
I was also wondering about the chronic nature of my problem. It seems like torn meniscus is usually attributable to one event. I've had this problem for at least a year, and it comes and goes. But I've never actually felt it on the court after being warmed up until yesterday. Some times it hurts more than usual during warm-up but doesn't ever "give out" on the court. That usually happened off court, walking up stairs or getting up from sitting. It seems to be related to putting a lot of my weight on one leg and pushing in a certain way.
I'm one of those types who don't like to go to the doctor since you never know what you're going to get as far as quality, but I know I need to do it and get more than one opinion, especially if surgery comes up. And I know I've waited too long. I'm in the process of getting recommendations right now.
I've got arm issues I need to get looked at, too!
I'm only in my 30s and feel like I'm slowly falling apart...argh...