I'm thinking I should clarify some things here.
They did visually confirm inflamed external hemorrhoids a few years ago. I think they also took a stool sample and didn't find any blood in the stool itself, I believe (can't remember what else they tested in the stool), and when it happens it's usually after some significant walking (i.e. a long walk with the dogs), and it's bright red and not mixed in with the stool, so I've been inclined to agree with them.
I had blood almost 20 years ago back in college too, and it took forever for the situation to calm down because I had to walk so much to get from class to class every day (like a 15 minute walk between every class), so I was constantly irritating it. Back then I never got it checked out because I was too embarrassed, just tried to hide it as best as I could.
And when it was really bad a few years ago it was when we were living in a townhome with a dog and I had to go walk him for 15-20 minutes 4 times a day every day, so it was a similar issue to back in college. It's been pretty rare since then (I've only had it happen twice the past two years, and the most recent time it was after we returned from a 3 hour hike).
So I'm pretty sure it's more just the hemorrhoids. I do still want to get it checked, but Covid is more of a concern since I have some risk factors that could lead to a poor outcome. And I'm not even saying wait until Covid "goes away" or anything, just until next summer when it's likely to go down to a somewhat manageable level again (EDIT: Also another commenter made me aware that you can order and get at-home Fecal Immunochemical Tests (which I'm pretty sure was what I got at the doctors several years ago) to help detect blood within the stool, so I went ahead and ordered one. If that comes back positive, I'll schedule a colonoscopy right away.
Er, actually after consulting with my doctor, since apparently insurance companies aren't required to cover it before the age of 50 and they can cost up to $4000. Maybe with a doctor recommendation insurance will cover it.