I've NC for this but didn't want to read 'n' run.
I have similar issues, OP. Health anxiety + what you might describe as IBS symptoms. I've had the blood on the paper too. In my case, it comes from over-zealous wiping with toilet paper.
What you could do is give it another couple of days and see how you go with the cream, and see if you have any more system upsets on the loo.
Try not to test with needless additional wiping, as you're just going to aggravate the sore area.
If you think about it - sorry - any raw or aggravated area down there isn't going to heal instantly or overnight, as it's subject to movement whenever you have a, er, movement. Plus potential further aggravation from toilet paper. (I'm not trying to be flippant here, I just seem to be walking into the double-entendres.)
Also, you wiped without having been to the loo, just to check. That's going to aggravate you because you haven't been to the toilet. Loo paper is designed to wipe when there's something to wipe, if you see what I mean.
My GP said to me, if symptoms are light and they come and go it's not likely to be anything serious. Serious things build up and get worse - sometimes slowly, sometimes more quickly - but always a progression.
I use aloe vera loo paper and also those moist - hate that word - toilet wipes to be gentle on myself. It normally heals up within two or three days and I'm fine afterwards.
And, if you do get referred, you may not get a full colonoscopy. They only do that if the blood is darker, I believe, or if there are other factors - family histories especially in people under 50, and so on. When the GP talks about the 'camera up the bum test' (mine uses the exact same phrase) I believe they mean something which I think is called a flexi-sigmoidoscopy (I could be wrong here, but this was my take on the conversations I had). It's less invasive because it doesn't go as far in. They're just looking for piles, inflammation, that kind of thing.
With the HA, fight against the 'oh what if they've missed so-and-so by not doing the test' thinking - that's the unanswerable, insidious shit that triggers full-on health anxiety spirals. Trust me, I know, I've been there. Trust your GP's advice, and their body language too - they are trying to reassure you.
Remember Jurassic Park? The scene early on where the keeper is showing Sam Neill and Laura Dern the velociraptors, and they talk about the creature 'testing the fences' in different areas to work out weak spots? Health anxiety is the velociraptor. It stalks around your head, poking at different bits of knowledge and information - the fences - to try and find a weak link in the chain. If you let it get one, it'll break out and run amok. The trick is to not let it, by building strong fences.