I think this is really up to you. Your symptoms show that you are stage two.
If it really bother you (pain that disturb your work or daily activities), then you might want to go for the operations. I am at stage 3 and I have yet to decide for an operations as long as I take care of my food to avoid infection. For you, if you are at stage two, you can wait if you are have insurance concern.
For 照肠镜,because yo uhave bleeding, the dr might afraid if you have 息肉 that causes this bleeding. If you have bleeding, Dr will normally suggest you to 照肠镜. for 痔瘡, Dr will let you decide if you want to do ops.