Apart from the highlights bit, I'm exactly like you OP.
I was thinking about this yesterday, as it happens. I really need to go and get a completely new cut as my hair is a mess and is constantly in my face and driving me mad.
But I really don't want to go as I hate the whole experience.
The hair washing, the talk and the false bonhomie, the vain hope that I'm going to come out looking and feeling like a new women, when I know that it's never going to be what I really wanted, that it's probably going to look like shit and cost me an arm and a leg.
I think what makes it difficult for me, as well, is that I'm very short sighted and obviously, I can't wear my glasses while having my hair done so have no idea what they're doing to me; it can be quite scary.
Being a woman of a certain age, I'm a bit worried I'll sit there not know what's happening and I'll end up with some awful old lady hair do.
I hate have my hair fiddled around with anyway.