Oh no, I'm a total baby when it comes to pain usually, although to be fair, I don't find smear tests uncomfortable! But a graze is a very minor thing, I think. A tear - even a small one - might be a different matter, I don't know.
Personally, having had both, I found the pain and recovery of a smooth (and that is an important point) vaginal birth to be so, so much quicker and easier than from an elective c section, despite a skilled surgeon. I developed minor adhesions that caused internal pulling and pain, and suffered from numbness and nerve pain in the area of the surgery site for nearly two years, despite doing everything right. I wasn't even thinking about sex for at least the first three months afterwards. Meanwhile, the vaginal birth I bounced back from in about four weeks, and was raring to go in comparison, haha.
But yes, you're right, it is all highly dependent on your own body and medical history, and how well you tolerate certain things. You also have to weigh up your comfort with the potential complications of either thing - whether it be a bladder injury during a c section, or a serious tear during a vaginal birth. There are pros and cons to both.
The broader trend towards c sections does concern me, but on an individual level I'm a big advocate of women choosing what they feel most comfortable with, whatever that is.