I'm so sorry you are feeling so anxious, I had a section last year and I too think your friend is exaggerating.
Please speak to your midwife and/or your consultant. They really don't want your experience to be distressing.
I waxed before my section, took away that issue entirely. I was in hospital for five days and EVERY time anyone had to touch me in any way they explained why. They absolutely did not expose any more of me than was necessary at ANY time.
All the way through (despite the fact that I was so terrified I wasn't taking anything in - hit me on the way INTO theatre that I was having a real baby in about ten minutes time) they spoke to me, reassured me, I really felt respected.
Afterwards the midwives have to come in and change your pads, it's not possible for you to do it yourself, they were never anything other than matter of fact about it and it was not embarrassing. I'm not sure what your friend means by 'left bleeding on a pad', you're lying on a pad and blood is coming out, because it has to, she's making it sound worse than it is. What was she expecting, really? Ditto catheter, how did she expect to pee for 24 hours when she wouldn't be able to get up? They would have given her all of this information at her antenatal appointments, and if her section was elective ALL OF THIS would have been explained to her. I was given an information pack, had a pre-section appointment with the consultant, then on the morning of the birth a midwife talked me through everything. Plus I did my own research online, like I'd assume anyone would...
My section was elective and while my consultant was very kind and understanding about my reasons, I did have to explain to her very clearly WHY I wanted it, so I do think if they are 'pushing' for it then they really might think its safer. Additional to a medical reason, I effectively chose it because I wanted and needed the control. That's exactly what I got, the only downside being the potential for a lot of waiting around, I was lucky and was the first on the list for the day, my friend had to wait til almost 7pm because of emergencies coming in - same hospital.
I really hope this thread has helped you, so sorry you've been worrying about this.