Ryan, I completely understand your anxiety, you sound a lot like me. A month ago I had significant blood in my urine, it was actually dark in color. I freaked and went straight to the doctor. The doctor seemed really worried since I was an ex-smoker who smoked 2 packs a day for twenty years, history of cancer in my family, and no pain. They did blood and urine tests and did a CT scan the next day.
Two weeks later I had a cystoscopy and was sent away with a clean bill of health. The urologist said that sometimes there is blood in the urine and nothing is wrong. At your age, and your short history of smoking, I'd try to think for the best and wait. The cystoscopy isn't that bad of a procedure. It does hurt (for a few seconds), but is very brief and the whole thing is over in a few minutes. It's definately worth it for the peace of mind alone.
My opinion, and the doctors never corroborated this, is that some medications I take, including daily aspirin for heart attack prevention, caused some clotting problems and I probably bleed more easily than most. I'm probably wrong but you never know. With your heart condition, perhaps you've been taking some blood thinners or something that causes you to bleed easily.
Anyway, my best wishes and prayers to all you brave souls. I'm clear for now, but seeing as how everyone else in my family has ca in some form or another, I feel it's only a matter of time. Good Luck!