Yeah I'm lucky enough to have good insurance. I went to an ortho and he said since there isn't pain while running it's a bike setup problem. The problem is I have changed a lot of fit measurements of my bike and I still have the same problem.
So the ortho didn't give you a specific diagnosis? I recently had a similar issue. (Overtrained, dull pain in my kneepit at first while climbing stairs but now only while riding and only from 20 mins or so on.) Saw a sports medicine doc who couldn't replicate the pain in 20 minutes of pulling, pushing, prodding it. He could only rule out a few things the injury WASN'T, but prescribed some PT, which he explained might have some diagnostic value. And indeed the phys therapist replicated the [pain I get while riding by probing/massaging more deeply into the knee before and after some exercises. She isolated some funkiness in the popliteus muscle deep within the knee, which may not be the ultimate culprit but at least gave us a starting point for something to rehab. This all a long winded way of saying you might try some PT. Also, hang in there, getting an injury properly diagnosed can be difficult and frustrating.