Am I just freaking out or...?

So bf and I use condoms usually, but pull out sometimes, probably twice a week. He's really good about correct timing on that. However, I was due for my period 7/3 and it's still not here. Not having a ton of symptoms like with my first pregnancy, but I'm mildly cramping for the last 4 days intermittently and my nipples are more sensitive than usual. Am I stressing over nothing most likely or is this a valid concern?