I had a horrible first smear at 21 - it really, really hurt, I nearly passed out, there were spatters of blood on the table, the nurse was dismissive and I walked like John Wayne for two days afterwards. I then ignored every smear reminder sent to me for 8 years because HELL NO. Not going through that again.
Then I met DH, who guilt-tripped and hand-held me into going - pointing out that as horrible as the smear was, the possibility of cancer would be worse. I took his point and booked another smear.
It isn't an understatement to say I was a sniveling, sweaty sack of jelly all day before my appointment, and then seriously contemplated running out of the surgery before I could be called in. But the nurse was lovely, she saw immediately how badly I was shaking, and was kind and comforting - gave me a hug and several tissues for my snotty blubby nose
- and it didn't hurt or bleed at all that time.
I suspect I just got unlucky first time - and had a butcher for a nurse 
I'm not due another smear just yet, but I will now go and put a reminder in my calendar so I won't forget when I do need to have one. (I live in the US now, so can't rely on the good old NHS to pester me any more.)