Dear gradysmom: Cysts are generally benign. Breast cancer is typically not painful. From what you have said and from the agreement from 3 different doctors, it seems reasonable to wait the recommended 3 months. Cysts may be aspirated or removed if they are causing discomfort. If you are still uncomfortable with this approach, get another opinion from another surgeon, preferably a breast specialist.
pain is typical of fibrocystic breasts. If there's a feelable lump, the easist thing is to poke a needle into it: if it's a cyst, fluid comes out which proves the diagnosis and makes it go away. As to the non-feelable solid image, the choices are close followup (as was recommended) versus some sort of guided biopsy. When there is a high degreee of confidence that it's not cancer from the appearance, a threemonth follow is reasonable. But if the woman who has the lump isn't comfortable with that approach, biopsy needs to be strongly considered, for peace of mind.