I agree with much of what Ginderella says. I've been having smears since I was 18 (the starting age back then) without giving it much though. Never fun, but not a particularly big deal for me.
Then I had a mildly abnormal result last year, probably as a result of some immune-moderating drugs I was taking for fertility reasons. The results letter (with advice not to get pregnant until the abnormality was resolved) came while I was on a load of drugs heading for IVF and, largely because of the timing, caused me daft amounts of stress. In the end, we walked away from the IVF cycle because I couldn't deal with both things at once. I had two colposcopies and on neither of them could any abnormality be seen, so it was essentially all for nothing.
I then had a clear result and have just had another smear, following a miscarriage. Once again it was mildly abnormal. This time I got the letter the day before starting another cycle of IVF. Once again, I have put off the IVF. Luckily, I have insurance and was able to see someone privately, quickly, for a colposcopy. This time a teeny tiny area was seen and I consented to a punch biopsy (which I have to say was absolutely fine and caused me some mild discomfort, far less than my normal period cramps). The gynae expects the results to show CIN1, at worst. So I can go ahead with my IVF.
Cervical abnormalities are "normal" in the sense that they are the body reacting to the presence of the HPV virus (which almost all of us will encounter at some point), just as the membranes in your nose react to the presence of a cold virus. I think there is a lot of overtreatment and certainly the dr I saw last year was very "LLETZ happy" and I had to argue strongly against doing it for a mild abnormality that had resolved itself within 6 months. LLETZ shortens the cervix and can cause issues with carrying to term and dilation at birth, so I strongly feel that it is undertaken too lightly by many doctors.
Part of me is grateful that we have the screening programme so that if I am one of the 3% with a mild abnormality that goes on to develop cancer, it will be caught early. Part of me thinks that it has caused me a hell a lot of needless anxiety and I wish I had never heard of the bloody thing!