Dear Scared,
I hope for your sake it is just a UTI. But please, the next time you are asked to have a camera shoved up anywhere by a doctor, your answer should be "YES".
The doctors aren't doing this for the fun or the money. They are doing it because it is the best and most certain way to check the bladder and kidneys out.
As for as the pain, it hurts much less than stubbing you toe. For a little while after you will feel like you have to pee like you've never had to before. That will pass in about a day. Then you will be back to normal in about two or three days.
If you go get the scope done and feel that something might not be right, or even if you have a dumb question. Come right back here and talk to us. We will help you through it all we can.
Sorry to yell, but this is not something to be taken lightly. Early detection is the key to surviving cancer.
Let us know how thing work out for you.
Mark