Brief Answer:
Hi and welcome to XXXXXXX

Detailed Answer:
Hemorrhoids are actually prolapsed veins which become congested and then it can be lead to pain, bleeding and discomfort during defecation. Hemorrhoids dont show malignant alteration(it cant become cancer) , although sometimes it is hard to differentiate hemorrhoids, anal polyps or even cancers since all these lesions can manifest with pain and bleeding. However,in most cases hemorrhoids are easily noticable by examination and this is most common cause of blood in stool and rectal pain in your age.
Polyps are usually located in rectum or higher in sigmoid colon. Polyps are common, but benign lesions and only sometimes(actually relatively rarely especially in you age) it can become malignant(cancer). There are several types of polyps of which some are less or more XXXXXXX considering risk of malignancy. This risk cant be evaluated without biopsy. Mri can show only is there infiltration of colon wall and in this case it would already be serious malignant disease.
Much better would be if you could do colonoscopy which will check entire colon and other possible polyps since polyps are usually multiple.
During colonoscopy polyps can be easily removed and sent to analysis. your anal polyp(if this is polyp) can be removed without colonoscopy and it is much better to remove it completely than just do partial biopsy since these procedures are actually similar.
Of course, this all can be treated conservatively, you just need to do follow up every 6 months to see polyp or hemorrhoidal size progression. In every case, this is up to you. some institutions recommend routine polyp removal and some do it only if bleeding or pain occur.
WIsh you good health. Feel free to ask.

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Brief Answer:
Hi.

Detailed Answer:
well, you can do both. Try to treat this as this is hemorrhoid. so you can use special hemorrhoid creams including mild steroids, sitz baths, high fibre diet and see will there be improvement. If yes, then this is obviously henorrhoids since polyps wont show regression on such treatment.
also you can find another proctologist who can do rectoscopy and give opinion.
Anal polyps are not so rare actually.there are 4 types of anal polyps and can be found in your age. But malignant polyps are very rare in your age.
Thirs option is to remove this lesion whatever it is and then hystologic analysis can show what it was. This is what I suggest because probably both polyp and hemorrhoids will cause symptoms in future if left untreated.

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Brief Answer:
Hi

Detailed Answer:
Hemorrhoids can resolve on conservative therapy and decision about surgical removal is up to you. When you start to experience too much discomfort and pain ,then it can be managed surgically or if it can be come emergency if there is strangulation or excessive bleeding. Steroids can be applied for XXXXXXX hemorrhoids too,but it should be used in consultation with proctologist. Steroids and other topical agents should be associated with dietary changes.
Polyps cant resolve spontanesouly,it can only persist or progress. Usually it wont cause any symptoms,but it can bleed from time to time. All in all,you can wait and see.this is nothing serious and not emergency. try with noninvasive methods first and if there is no improvement,consult surgeon. Removal is easily done today.some institutions use lasers and it is always done under anasthesia so it wouldnt be painful.

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Brief Answer:
Hi.

Detailed Answer:
Polyp removal usually doesnt have any complication niether bleeding or pain. This is similar to peduncular nevus removal.
Hemorrhoids is bit more complicated since there is venous involvement and complications rate depend on type and size of hemorrhoids. Although,if even some minor bleeding or pain occur,it will pass in 1-2 weeks postoperatively and you wont have problems with it after. So this is not something that you should be worried about. So just remove it when it becomes too annoying,this is my advice:)

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