Refusing PAP

With my first pregnancy I had first and second trimester bleeding and was told I would most likely miscarry. I didn't, and I have a 2 year old now. I have a doctors appointment tomorrow, and I know they'll want to do a Pap smear. I had an STI panel done less than two months ago and they checked for abnormalities but found nothing. Is it wrong of me to refuse the Pap smear? I just don't want to risk bleeding like I did with my first. I am also 20, so by guidelines I won't even begin getting them until 21. They deem them unnecessary. I've always been one to have the least invasive pregnancies as possible with minimal checks and all.