Ugh should I bother?

So I haven't had any luck getting pregnant and I refuse to track with ovulation tests because I think that would stress me out WAY TOO much. I have had major symptoms of endometriosis in the past and so we don't really even know if I can have babies. I'm a huge slacker and I'm about 3 months overdue for my yearly check up. The question I have is that I fluctuate between 26-29 days for AF and 26 is today, no cramps, no breast pain, no symptoms, nothing that would indicate AF in the next few days but also nothing else weird, should I take a test or just wait it out and save the money?