All relevant observations.
By gear masher, I mean brisk to fast pace(up until ten yrs ago, I seldom averaged less than 20 mph on a solo ride). Not an unsmooth rider, I just use bigger gears that I go fast on. Like a Jan Urich as opposed to a Lance. I don't think that made Urich a non-sensible rider compared to Lance. It is quite true that many, especially professionals, have and do ride more miles than me. But then again, they may not be predisposed to this problem. For all I know, some of them may have it. In my case, my feet are very thin and long. Whether that is a factor I do not know. Most TDF riders are smaller type guys. I'm 6'4" and around 195 lbs.
Why put off going to doctors? So many reasons. Expense. And getting jerked around. I've known so many people with stranger type injuries who have been shuttled around among specialists with all kinds of tests and meds who come out on the other side maybe worse off and a whole lot poorer. My conidition is a nuisance and a concern, but is not exactly life threatening. I really do not believe any doctor is going to solve my problem. At best they may provide some relief. I intend to go in the next couple of months. I need a referral from primary doc.