When I said: "You're a LONG way from any sort of diagnosis of MS"...what I MEANT was this:
You say you've had no symptoms, no suspicion of having MS or anything like it. You weren't, for example, experiencing "strange symptoms with no cause" that led you to a doctor. You had an MRI simply because you were trying out some new equipment. You don't have any numbness or tingling or weakness in your limbs (that's not explained by your recent accident and recovery), or bowel or bladder problems, or problems with balance or any of the usual MS-like symptoms.
The ONLY thing you have is this lesion showing up on an MRI, an MRI you had quite "by accident". So it seems unlikely that indeed you have MS. Sure, your neuro will want to examine the MRI, and maybe do the followup with the gad. Or maybe not. If I were a betting person, I'd bet "not". I'd bet that he'd take a thorough medical history, ask about your accident, maybe request medical reports from that, and then decide that...at least right now...there's nothing more to worry about.
Does this mean you'll NEVER have MS? No. As I said to someone else here, just the other day, that's like saying, "I've crossed this road a thousand times and never gotten hit by a car. Therefore, I'll NEVER be hit by a car." You COULD..somewhere down the road...develop MS. And then look back at this one mysterious lesion and say, "..well, uppity, you were WRONG!!"
Or you could simply go about your life, thankful that you recovered from your horrific mountainbike accident, deal with your diabetes, and have those babies and all that. I sincerely hope this latter is true.
But...if indeed the worst case scenario is true, and you DO have MS...as Rhonda already indicated, many many folks have MS, go on to have babies, careers, live long and relatively OK lives, even with MS. And even us oldsters who were diagnosed years and years ago before the benefits of the modern medicines (24 years ago for me) are alive and well and rocking along. So will you. Assuming you take care riding that mountain bike.. :)
...I am not a doctor, nor health professional, and don't pretend to be one, here.....