I'll start by answering your question "Is it even worth getting diagnosed because of all of the stigmas that are attached to it?"

My answer? It definitely can be more than worth it. Keep in mind that all of the years I didn't have a diagnosis and wasn't treated, I suffered consequences for my behavior during episodes. My manic behavior (from outrageous, impulsive, severely irritable) ruined friendships, romantic relationships, and got me fired from jobs, and put me in danger. My depressions made it hard for me to do well in university at times, or manage sufficiently at work. Calling out or not making the grade can be excused if you have a medical reason. It's less often excused without one. Also, it is often the case that the longer you remain untreated, the worse the course of your illness.

By not seeking treatment for a mental illness because of stigma, you are sort of in a sense perpetuating the stigma. I know that facing stigma is difficult, but the more we fight it, the better things will be for people with mental illness.

Do seek help if you feel that you need it. As for the length of time before you are diagnosed (if diagnosed with a mental illness), this can vary. Do tell a therapist or doctor about your family history. Do describe situations/periods in your life that were hard and any ramifications. The doctor/therapist will also ask you questions. Be honest. Be prepared for the appointments.

A lot of people with mental illness complain about medications. Some do have minor to major side effects. We are not stuck on particular medications that make us suffer, but should at least give medications a chance to work. We have to report concerns. We have to sometimes be patient for side effects to pass, which they often do, especially side effects like sedation.