D & C plus Endometrial Ablation

[VickiStick]

I just got an ultra sound which showed endometrial thickening.  My blood work still shows that my estrogen is within normal range not menopausal yet (49), however I have a period skip a few months then take progestern to get it started and feel fine.  Without starting my period, I walk around feeling crampy, bloated, like I will start anyday.  Lately within the last 3 weeks of missing a period I have had ongoing pelvic pain especially in my left side.  Ovaries scanned without any cysts (fluid ones I am usually prone to) which I have discovered caused pain but subsided with a period.  Dr. want to do D & C, scrape endometrial lining (biopsy), hysterscopy, and an ablation.  I understand all of the procedures especially if he finds a polyp, but I don't understand the ablation.  From what I read, it is used for heavy and irregular periods.  I do miss period, but never have any trouble with heavy periods.  Plus from what I read on-line at the Mayo clinic it didn't sound like ablation was a prevention of polyp reoccurence.  I was also told later that this could prevent any warning signs showing up for endometrial cancer (no bleeding).  I am concerned about the polyp removal and the question of the pelvic pain (even feel pain in the rectum), but don't want any uncessary procdures.  I had a colonoscopy two years ago and some polyps burned off.  Is this the standard treatment for someone like I have described.  Please advise.  Thanks.