I agree that a medical professional should probably check your knees and a bike professional should probably check your bike.

One thing that was suggested to me as that pain right at the top of the knee actually indicates that the inner thigh muscle lacks strength. Perhaps that's an area that you could focus on in your strength training to see if it helps?

I find that medical professionals do a better job of figuring things out if they are presented with several options....silly, it seems, but better to take an involved and proactive approach with our own health, than to just assume that they'll think of everything!

Good luck!
Namaste,
~T~