I’m late to the discussion...but would urge everyone to read the excellent, and accurate posts from Purpledaisies.
I’m a consultant gynaecologist specialising in Sexual and Reproductive Health, and used to work in gynae cancer.
England as of this month has moved to HPV testing ONLY of the cervical smear sample, which goes no further if HPV negative.
The RCOG is supporting this to change to an NHS self-taken HPV vaginal swab, which for the majority of women will be negative. If positive, then yes, a smear would be needed.
Clearly for many women a self-taken swab is simpler, more acceptable if they find speculums difficult for a variety of (very common) reasons, and can be done without input from a clinician, so saving NHS time and money.
Yes, there will be a very small minority of women that develop an atypical cancer unrelated to HPV. That has always been the case with traditional smear testing, which missed some cancers.
Yes, the self-taken swab would miss out visualisation of the cervix by a clinician. This would mean that harmless, non-cancer related changes (eg: cervical ectropion, polyp, Nabothian follicle) wont be seen. That’s fine, as most of these are asymptomatic variants of normal anatomy which do not need treating. If any of them were symptomatic (eg: large polyp causing bleeding after sex or between periods), then this should always be reported to your GP and you would be referred for colposcopy.
The rare cancer that advances without positive HPV result would also usually give symptoms (pain, pressure, offensive discharge, a normal bleeding) and should of course also be reported to GP for onward referral urgently. Sometimes sadly that’s not the case, but has always been so.
I’m afraid most smears are now done by relatively junior (often newly-qualified) practice nurseses, who may have no gynae experience or have ever seen a cervical cancer. The days of smears being done by an experienced GP or senior practice nurse, possibly along with a bimanual examination and gynaecological history, are long gone.
The vital part is that women are aware of abnormal symptoms to report, and that these are taken seriously by the GP when reported.
OP, if you feel that paying for an HPV swab is a viable alternative to not going for a smear at all, that’s absolutely your choice.