OK, I went to the PT tonight. She spent the whole session evaluating what I was describing. After probing me in various areas that hurt like he**, she said that it is definitely my hip flexor and she explained how it is all attached to the lower back, groin, etc. She did a very deep massage of the groin and then showed me 2 stretches, one of which I had already been doing. Then I had my electrical stim. treatment for my neck.
Next week I am bringing my bike and she will check me out on the trainer. My appointment isn't until Thursday, so it will be a bit of a wait.
At least I feel like I am making progress on stuff that has been around for a long time. I haven't ridden outside again, even though today was nice. I have a cold and decided not to breathe in the cold air. Yesterday I did nothing and Sunday we did a 4 mile brisk walk after trying to hike, but the trail was sheer ice. I did an interval workout on the trainer today, with very easy spinning, alternating with 3 sets of core/functional weight work on my cyclo-core dvd.

I feel like this is never going to end!