I have a big history of knee issues also. I would recommend the second opinion also
AND try to speak to physiotherapists who are familiar with these patient.

Physiotherapists tend to have a better real world experience with patients.

Medial and Lateral ligaments work to stabilize the knee from swinging outward or inward and are not as critical as the ACL but you should still seek a second opinion.

Always remember with knee problems, your NUMBER ONE priority is if/how the issue will affect the cartilage in your knee
because once the cartilage wears away from wear/tear or a loose out of alignment knee you can't get it back and your last resort is knee replacement down the road.