Do I accept a doctors diagnosis that it "most likely" isn't cancer or push for more tests and a defi

Hi Everyone,

I've been reading the forum for a few weeks and decided I should join and ask for advise. About a month ago I felt a lump inside my lower left cheek. It's not easily seen or visible when looking inside my mouth but I can feel it and if I stretch my cheek somewhat you can clearly see it.  I pointed it out to my dentist, she said , yes she notices something but its not firm or hard and it's not typical of how oral cancer presents and it's not SCC because the tissue is completely normal looking. She sent me to an Oral Surgeon who basically said the same thing, asked the oral surgeon about a biopsy and his response was there's nothing specific to biopsy. I decided to go to an ENT for another opinion. She agreed with me that there is something there. SHe said there is a small movable oval lump. She also said that it's not uncommon for there to be differences between the right and left cheeks, that we're not perfectly cemetrical. She sent me for a CT (MRI got denied by Ins) and the CT report says "there is prominent soft tissue identified which is slightly asymmetric with the contralateral side. This is nonspecific."

My ENT said a biopsy would be benifical and refered me to a Head and Neck Surgical Oncologist, who I finally got to see today. He reviewed the CT and spent a good amount of time feeling around inside my cheek and initially said he didn't feel a significant lump. I pulled my cheek out and pointed out the lump. He spent about a minute looking at and feeling the lump and said it's probably nothing, not typical of cancer but would order an MRI. I asked about an ultrasound guided biopsy, his response was I can't just stick a needle in the cheek, he needs the MRI to see whats going on. The Oncologist said that he could perform surgery to try and remove whatever is there but thats risky with the nerves and blood vessels in the cheek and could cause permanant damage and doesn't really want to go that route at this point.  

So after reading an abundance of really scary information online about H&N cancer and reading the great advise that everyone on this forum provides, my question is at what point to accept that the lump most likely isn't cancer from the doctors but not getting a definitive answer about what it is. I've read that a biopsy is the only way to know for sure and even that isn't 100%.  I went to the Oncologist hoping for more definitive answers and walked away feeling very uneasy about the visit.  To me it doesn't look or feel right, maybe I'm just being paranoid but my biggest concern is going with a "wait and see what becomes of the lump" attitude could be costly.

Thank you in advance for taking the time to read my post and provide any feedback.