If it makes you feel any better, I've always thought mine was yuck. Kind of still do. Just not a fan of the whole area. But, over the years and years of having periods, I did get used to changing tampons and going about my business. I was a lot like you the first time i tried one, but it was a huge ordeal. Like 6 tries, all the wrong sizes, just a big mess. Also hated and still dont like other people being in my business. Its just...ew. I wouldnt say scared so much as skeeved out, so I dont know if that helps, but again, not a favorite.

Your inner dialogue about things like this make a big difference in how they sit with you. The times in life where I have been actually comfortable with myself, I was using neutral or positive dialogue. That fits in every aspect of life. I personally think you are a bit young to be worrying over sexuality and if it makes you uncomfortable, by all means, wait it out. I know everyone acts like you have to do all this stuff young, but you dont. I mean, your choice, of course. But dont push yourself past your comfort zone if you aren't ready. There is a ton more to life than diddling genitals, anyway.

I dont know how yo tell you not to be afraid of it, but I do understand being uncomfortable with it. It can get better, but just start with the basics, read a few safe, educational books, and be patient.