Before my NCT classes I didn't realise that a lot of what is presented as compulsory before and during labour is actually very much a matter of choice! I had written a detailed birth plan and then a single sheet of bullet points control freak, moi? that DH could hand to our admitting midwife, so that what I wanted and didn't was clear from the start.
I would very much like to have avoided all VEs, however I also very much wanted a water birth, and I had looked into my hospital's track record of water births and found that they did fewer than 15 a month (out of approx 100 births) seemingly because a lot of people don't meet the criteria, one of which was that you must be 5cm dilated. And there's only one way to tell that for sure!
So I resigned myself to the pay off for a water birth bring that I would have to endure one VE. Without it I'm sure I could have fought and insisted etc, but I wouldn't have had the energy.
I had the VE on admittance which hurt like hell (mainly because I hated to be on my back - it was the only time I was in my whole labour) though the midwife was quick and very sensitive about it, and I had consented, and I was 4cm which earned a pass to the labour ward.
Once we got to the pool room, the midwife said that I had to be 5cm before I could get in, so I asked how long the pool took to fill, she said 45mins, so I said 'ok then, you fill the pool, and once it's ready we'll just assume that I've moved on another cm shall we?' And that's what we did.
Once in the water it was 3hrs til pushing, and another hour until he was born, and I didn't have any other exams. My birth plan had said I wanted to be observed with mirror only, and not to get out of the water unless I wanted to. I also asked for low lighting and no conversation , and that was honoured too - it was a very peaceful birth to be honest, I was very lucky.
So yes, I knew I could refuse, but I considered at least one exam a necessary evil, and I would have consented to others had there been concerns at any point about the baby.