if you cant afford to be checked out propperly id just leave it until the pain goes away, hopefully it'll just be a small tear,, dont do any upper body work whatso ever...
youve hit the stage of your career where im at now, your goin to be prone to injury... just chill out when u do eventualy get back in the gym, theres no need to be benching over 3 plates, just be happy to get some size back and maintain it in the safest way possible, which for me means pre exhaust and making 2 plates feel like 3 if you know what i mean...
im still waiting for my shoulders to be opperated on, but my 100lb db shoulder press will now have a maximum of 60lb and my 3 plate incline will never be over a 2 plate incline, no matter how light it will feel..
i want to still be training into old age if possible, only 28 now so ive got a long journey yet to go