In the words of my Orthopod - "one messed up knee"
Torn MCL, partial tearing of the ACL and PCL. Apparently the MCL will resolve itself with PT, and considering that I have stiffness problems and not instability problems we're doing the "wait and see" on the ACL and PCL. So a few weeks of PT are definitely in my future, to try to get function back in my knee. If I start having instability problems, to let him know, otherwise come back in 4-6 weeks.
Oh, and yes, as soon as my knee bends enough I can ride a bike again, "inside, in a controlled environment, like the PT clinic." I noted that he said "a" bike and not "your" bike.