Worried about pelvic exam. Do I even need one?

So I'm 17 and I'm sexually active with one person. At least where I'm from it's the standard thing to not do pelvic exams/pap smears until 21 unless there's some other issue that may require one. I'm having pain at my vaginal opening when having sex (this recently started) and everyone's pushing me to go get a pelvic exam. I told my doctor about it, she told me to talk to my therapist to see if it was a mental issue, and then my therapist straight away suggested I go back to my doctor and get a pelvic exam before she'll even talk to me. I'm a rape survivor so I think that's why I'm having that issue during sex. That's also partially why I'm really freaked out about having a random lady look at my vagina and put her fingers inside of my body like that.Yes, I know it's completely for a medical purpose and she's probably done this so many times but I still can't help feeling uncomfortable.

What should I do? I'm absolutely terrified and uncomfortable. I'm having a panic attack just thinking about it and I know some people are going to think I'm being ridiculous but it's whatever I guess.