If it helps, I get blood on the toilet paper too after wiping sometimes. It could be from something as simple as hemorrhoids or an anal fissure. (both very non life threatening). Have you had your bottom examined by the doctor? Also, does this blood come out fresh or dry? And how much is there of it? If it comes out fresh it means you've irritated an anal fissure or hemorrhoid, and if it comes out dry that could simply be blood from the hemorrhoids/fissure from your last bowel movement that seeped out a bit and dried.
This "dried blood", could you describe it in a bit more detail as far as how much and what it looks like?
Either way a stool test would definitely tell you if you had blood in your stool.... the next step would be to get a scope in there. I wouldn't worry about it too much though, i've been bleeding out of my bum for years because of irritating toilet paper. Thats why I use Charmin Ultra because it's very gentle on your bottom.