That sound just like my OCD... I have heard fue people discribe there OCD this way. It's some times call pure O OCD as in pure obsession the compulsion is the way you obsess to make thing feel right. I got so bad that I was obsessing about cleaning my dishes (example) for up to 8 in one day with out being bale to make my self find a safe way to do them. In my head I was some how going to hurt my kids or my self while washing the dishes. I did not just have the obession I got intence intrusive images so intence that it was like a real photo in front of my face.
If you obsessing for more than a hour a day you can be said to have OCD, you sound like you have the fears that go hand in hand with OCD. Alot people think they are OCD but really dont mention anything about what they fear and thats is the key difference beteween just obsessive personality and OCD people.
I would seek help as what you discribe sound distressing and you deserve to feel better. OCD or not.