ps -- If you're really saying that you're worried that you won't know how to talk to the doctor about looking at a problem in an area where the "sun don't shine," I'm sorry but if you want a diagnosis, the doctor does have to look at it. Do you have a female doctor? That might make things easier.
I can't see the logic in being scared to go to the doctor "in case it's anything serious." It would seem like if it's serious, avoiding the doctor might help it get more serious, and seeing the doctor might take care of it.