Incontinence at 20 weeks? Super embarrassing.

Sophie
I'm 20 weeks pregnant now...about 3 weeks ago I had a pretty nasty cough and frequently ended up peeing myself a bit when I would cough.  Embarrassing, but understandable.  Ever since then though, I frequently feel wet, and it doesn't necessarily feel like I'm peeping myself.  It definitely smells like pee, a bit ammonia-ish, but of course one of my friends is trying to convince me that it's amniotic fluid...we all have that one crazy negative friend who is never helpful, right?  So now I'm slightly freaking out.  Any thoughts?