To test or not to test. ...

I've taken a total of two pregnancy tests in my life both before missed periods and got two negatives. I've been trying for two years off and on. I'm three days late and i haven't tested. Last month i was 6 days late and i didn't test because i told myself i would wait a full week of being late before testing and thank God i didn't because another negative would have been disappointing. This month I'm only 3 days late but it's different than last month. We had sex 5 times during my fertile week (the most we've ever done) and I'm three days late with none my usual pms symptoms. I always hear how similar pms and early pregnancy symptoms are so similar and I was almost a week late last month. Im so torn. Part of me says, "just take the test you idiot! If It's negative maybe it will bring on your period psychologically" lol is that even possible? ! But what if i take it and I get a faint positive or i don't even know what it says and then i have to post on the faint test blog. Ugh, what to do? ! My husband wants to wait till Friday, but every time i go to the bathroom i cringe when I wipe (sorry for TMI)... what would you do?