Man...we all know our own bodies more than anyone.
If I play basketball or some other sport actively, I get knee pain that evening.
If I put in some tough miles on my bike, by the time I get home, I have to use the railing to get me up the steps.

But here's the thing, if I hopped back on my bike and loosened things back up, it would go back to normal and feel just fine.

I think that's a pretty good determining factor for me, personally...does the pain go away if you warm things up, or does it get worse or stick around. My knees have been like that my whole life...and I don't even consider it pain, just fatigue after hard work.

What one person views as pain another person may not. You know your body, and if something is wrong, consult a doctor, or get a bike fit (or put in some research like you're starting to do now). It probably wouldn't hurt to move your saddle back 1cm and see what happens. You know when I really was able to start dialing in my fit...when I got an indoor trainer. It allows so much time for thinking and tinkering and tweaking. There are some really good cycling coaches out there with blogs...and bike fit is a pretty popular topic for all of them.