I think the same thing, if people only KNEW my convoluted messed up thoughts! My FAMILY knows but that's about it.
And I am with you on tests! I won't even go to a doctor if it's something I think he may use that 4 letter word with me. (T.E.S.T.) If it's a test that I could get immediate results I'm not that bad with it - I MAY consider, but having to wait??? No way.
I wait and see if it gets worse and it never does. ONE day something will of course, and I keep telling myself, "You will KNOW when something is wrong, you won't have to be guessing and LOOKING for things!"
And your fear definitely could be causing pain! I had pain in my stomach for 13 months every single day, and finally decided I HAD to go see a doctor because even though it wasn't bad and it wasn't progressing, the worry was eating me alive. I got immediate results - that NOTHING was wrong. That afternoon the pain went away and never came back.
I even worry when something is GOOD. For instance I had been on blood pressure medication since 1998, finally last summer my BP started going way too low, so I went off it - my blood pressure reverted back to normal after FIFTEEN years (and no, I didn't change my diet, I didn't lose weight, my stress level is actually WORSE now...) so then I started googling, "causes of low blood pressure" and coming up with some bad things and I thought, "Well if my BP is supposed to be high and now it's NORMAL that must mean that some disease is bringing it down!" And NO doctor has an answer as to why that would happen! That makes things worse when a DOCTOR is puzzled!