Hi there Loobie,
Whenever you read a brief description of MS one of the possible symptoms is always listed as "bladder problems", but that innocuous looking phrase conceals a variety of problems which, for me anyway, dominated my life, destroyed my self confidence, affected every decision I made and made me feel more disabled than many of the more obvious signs.
About 3 1/2 years ago I had an indwelling catheter fitted, and it was a huge weight off my mind. It's not exactly pleasant, (in fact I'm due to have it changed tomorrow – that happens once every three months), but it removed an enormous area of worry and at least allows me to feel comfortable all the time. There is an increased risk of infection if you have one, but if you don't there is also a similar risk if you are damp, if you don't void properly, or if you don't drink enough – apparently people with MS are renowned for being dehydrated for this very reason, and if you get really dry your electrolyte balance can be affected and make you feel worse. I now drink at least three litres a day, (mostly whisky). Cranberry juice is excellent for keeping infection at bay, but as I understand it it's not a good idea to start drinking it if you already have an infection because it can mask the symptoms.
Out terminology is different, but I'm guessing that IC stands for "intermittent catheterisation", where you do it yourself as and when needed, such as overnight. I know this has certainly proved to be the answer for some people, and it sounds to me as if it would help you enormously but I can't tell you anything about the costs, or whether you can bring yourself to do it!
Incidentally, there is an injection available to deal with impotence but I can't give you personal experience of that because A) my catheter would be in the way, B) I can't move, and C) nobody's interested.
And anyway, it's only a little prick.