Complex entire horizontal lateral meniscus tear no swollen locking catching knee can stairs climb up down+bend now pain on off can I wait arthoscopy?

You can wait. It you're not symptomatic and that knee isn't limiting the activities that you want you do, I would recommend waiting on arthroscopy as the risks of surgery would outweigh the expected benefit. If it starts bothering you more or if it is in fact limiting your activities, then consideration of surgery is reasonable.