Should I take a pregnancy test?

I had (condom protected) sex for the second time 16 days ago and I’m now three days late for my period. I know that sex can throw off your cycle but I still get nervous. My period can be a little irregular but I’ve been experiencing slight PMS for about a week and recently have been getting cramps and thinking I started it but I didn’t. How much longer should I wait to take a pregnancy test just to make sure? Could I just be paranoid?