It is completely acceptable to decline a pelvic exam if you are uncomfortable or have concerns. While some women may experience mild discomfort during the exam, it should not be overly painful. The speculum is used to gently open the vaginal walls for better visibility and access to the cervix. If you have any specific worries or questions, it's best to discuss them with your healthcare provider beforehand. Remember, your comfort and consent are important in any medical procedure.