(2) TVUS 10mo apart show Endo lining 1.6cm, (1) submucosal fibroid 6mm, (1) complex Ovary cyst 1.8cm. Pre-menopausal sm amt free fluid - worrisome?

Potentially. The most unusual part of this presentation is the continued presence of a complex ovarian cyst. This is more than likely benign at your age but if cysts do not resolve spontaneously, they should be looked at more closely with further work up.