If you are finding it very uncomfortable, maybe change doctors. I always thought they were fairly uncomfortable until I visited my DH GP clinic and saw a lady doc there and I barely felt it, to the point where i didn't actually think she had opened the thingy they use (not sure what it's called) Just goes to show that there is no reason for unnecessary stretching whilst performing a pap test!

Yep, totally!

If you find the pap so physically uncomfortable you are dreading having it done, then find another doctor, they are doing it wrong. You should barely be able to feel it with an experienced and gentle practitioner.
If the thought of someone - anyone - giving you the smear is freaking you out, then go with a girl friend and discuss your fears/modesties with your doctor so you can work through them. Having a smear once every 2 years could be the difference between finding precancerous cells and finding full blown cervical cancer.