Am I pregnant or is it something else?

My cycles range from 28-33 days. Today I’m on CD 39 (probably about 6 days late) and no sign of AF coming. I’ve tested a few times and all have been BFN. I have a good bit of milky/creamy white discharge, frequent urination, and headaches. Should I just keep waiting to see if AF shows or schedule a doctors appointment to see what’s going on?