It's really not bad at all. I just got my first one a month ago. It was terrifying having someone down there, but that was the worst of it. It hurt a bit, but it's very quick - like a second. Then they're done. I bled a little bit afterward, but that's normal. There's no lingering pain, and you only need them once a year.
I am a nervous, horribly anxious person. And I'll be fine with getting mine next year.
It was the ultrasound, and trans-vaginal echo, that I didn't like. But that's something you only need if something might be wrong. It wasn't painful, just scary, and weird. The nurse was leaning against me and talking to me and I hated it. Plus I was scared I had cancer or something. I don't, I'm fine, but man that was not fun.
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"Everything counts in large amounts."