Need advice

Hey everyone, need some help. I’m currently almost 20 days late. My cycle isn’t super regular to begin with, but it’s always between 23-35 days, and I’m currently at CD50. I am active, but I have a copper IUD and have had it for 10 months with no issues. About a week ago I had about 2/3 days of reddish brown discharge, which I figured was pre-period spotting, but I guess not. Two nights ago I woke up with awful cramps (which I normally get right before my period) and when I went to the washroom there was a bit of that same thing, but no cramps or period symptoms since. I know stress or life changes can impact things and I did just move, but I wouldn’t say I’m under a ton of stress or anything. I’m terrified to take a test, it makes me want to throw up and cry just thinking about it 😂 Any similar experiences out there? Or thoughts about what those few symptoms could be? Or just advice in general? TIA❤️