I rationalise in the same way. Right now I am in a situation when I actually HAVE to see a doctor, as I have a weird cough and flu symptoms and a pressure on my chest when lying down to sleep, and I haven't had a good night sleep in 4 days. The discomfort this is creating eventually won the battle, not to mention the horror that it could be serious, or that I might stop breathing in my sleep or choke on sputum. But for the previous 4 days since the symptoms started I did my best to convince myself that it's just a cold and it will go away on its own. When I go see a doc, my friends know that I am probably in a huge amount of pain or discomfort.
My worse fears with doctors are invasive procedures and being stripped. I haven't been to the gyno in a few years and I can't possibly imagine what I would do if I ever had to have surgery, when the normal fear of surgery adds to the terror of being naked on a table with a full staff around. And the worst part is that people don't understand this side of the fear. They understand the fear of pain, the fear of being sick, but they usually look at me like i'm a small child when I mention the modesty part. They think it's silly.