That sucks bro! I've been there!
The problem with therapists is they want you to see them as long as the checks keep cashing. They aren't all like that, but there is a decent majority that are, and unless you're seeing a sports therapist, or ortho, they don't understand the guys who lift thing. You'll be fine living with a partial tear, if you wanna go to your desk job, but if you want to get back to the gym, especially lifting heavy, your definition of back to normal, and theirs are 2 different things.. the insurance companies are the same way, they won't approve a surgery until you meet all their criteria.. it's a fucked deal.. if I were in your shoes, I'd be looking into the stem cell deal.. I'm also seeing a little bit of improvement in my joints with bpc-157, but that could totally be placebo effect..