Toddler says vagina hurts (update, finally got through to nurse line)

Please no judgement. A doctor's visit costs almost $200 so would like to figure this out without a visit IF we can. They tend to be hesitant to prescribe antibiotics anyway.

22mo says "gyna hurt" and grabs her crotch before and after diaper changes. There's no diaper rash. Normal discharge (the whitish stuff they say not to worry about wiping away), no weird odors. Always wipe the correct way. We tend to shower more often than soaking in a tub.

She does go 12hr (or more once in a while)without a diaper change at night but usually waits to poop until after breakfast. I'm sure this long stretch isn't helping her but I'm not sure what I could reasonably do about it 🤔

She did have a bout of diarrhea for 2 days last week but no fevers or any other symptoms of anything at all (eating, sleeping, playing all normal) so I doubt that was related.

Not entirely clear whether she's actually in pain or discomfort (though the grabbing is concerning in that aspect) or just experimenting with her new vocabulary like maybe the diaper is uncomfortable and she is just saying "hurt" bc she doesn't know how else to describe it?

So, questions:

If this were a yeast infection (my guess), what could be done or used for a 2yo? Baking soda bath? (That's what I do for stubborn diaper rashes) any foods to avoid or try to push?

If it's a uti, how long would the doctors want to wait to see if it improves or clears up on its own before going to antibiotics? Is there any way to tell if that's actually what it is??

Edit:

Have been trying to reach our doctor but they are updating their electronic systems so I waited a total of 40min with no answer.

Called insurance nurse line who said I habe time to figure it out but keep calling the ped. She also suggested to put Vaseline on throughout the day. We do every single night so I'm not sure why I didn't think of it at all. But we'll see if that makes a difference.

I wouldn't have even noticed she was grabbing her diaper if she hadn't said anything so that's really the only concerning symptom. No fevers. I really don't suspect UTI. she has peed on the potty a few times and didn't struggle and didn't say it hurt.

She isn't even quite 2yo yet. Her language is advanced but not always trustworthy. Hell, sometimes she still calls horses "dogs" so her saying "hurt" does not 100% mean she's in pain and shows no degree of intensity. Her behavior seems to indicate more that she's not unwell.

The mom shaming is really uncalled for. I'm so glad I found a new mom group elsewhere bc the judgement has gotten worse than ever here. We are all doing our best here. I haven't let her say this 100 times without investigating. I changed her diaper to look the first time she said it (yesterday) so don't confuse my waiting to go to the doctor as neglect bc it most certainly ISN'T.

$200 is a lot of heating oil in a very cold winter when it might just be nothing at all. I'm comfortable, as her mother, waiting a day or two to see how things progress (or don't) any change in behavior or symptoms (esp. fever) and we will go straight in.

And anyone who says they wake a 2yo up in the middle of the night just to change a diaper is either just insane or a liar.

She sleeps in a toddler bed on the floor straight through the night 12 hours consistently and it was HARD WORK to get her to that point. I'm not doing anything to change that. I meant along the lines of maybe a big stuffed cloth diaper or maybe even just a soft cloth insert in the disposables?

UPDATE: I finally got through the nurse line of our pediatricians office. Without a fever, they wouldn't prescribe antibiotics and wouldn't jump to uti. I was right not to rush right in. Keeping an eye out for fever, pushing the water, adding Vaseline for every diaper change, and did an oatmeal bath (their recommendation over baking soda) tonight just to be sure to be helping any possible irritation.

But after this afternoon, the potty training theory is making the most sense now. This afternoon she said it again and started pushing her pants down which she does when she wants to try to use the potty. She had a dry diaper (about an hour after a change) so at first I thought "oh no, it really is painful and must be a uti after all if she's holding her pee" but then she peed on the potty with a big smile and didnt mention anything hurting afterwards. She's been exposed to the potty for a while now, it's always been available to try but I think I will start encouraging her to just try going more often throughout the day. We've tried a few things like jumping straight into undies but she has responded best to letting her go her own pace.