There is no medical reason that you need to have a pap text at all costs. Sure gynaecologists want you to do it, because first it is really a good indicator for a lot of things and 2. they earn money with it.

But unless there is a reason to have that test, like you suspect having contracted something or have symptoms, you don't need it at all costs. In your case it sounds the costs for this mere precaution is to high.