Totally your choice what you use. But have you tried applicator and non-applicator tampons? I know some women who only use applicator tampons, but equally, I don't get on with them and only use non-applicator. A bit like pads, there are lots of different flows and preferences - it can take a while to find what you feel comfortable with!
If you can feel the tampon there, it's likely that you haven't put it in properly, i.e. you haven't pushed it in at the right angle and high enough up, and if you do leave it in as is, it will probably leak.
I never had a fear to get over. My DM didn't want me going anywhere near tampons when I started due to my age (er, thanks, DM) but when I was old enough to realise if I just bought my own sanpro I could buy whatever I wanted, I tried out tampons. I realised that I personally feel "cleaner" with tampons in, at a time of the month when I feel inherently "dirty".
Before anyone jumps in about how unfeminist that is, my temperature is always higher when I'm on my period, so I am more prone to sweating, and I am not a lady who does sweat well. I am also acutely aware of the smell of 'period blood' which isn't nice at all.
You say you find pads gross, so I wonder if your aversion to wearing pads is less strong than your desire to find another solution? If you start thinking about it that way, it might not feel as intimidating giving tampons another go?