["I think I need to make a doctor's appointment, but I don't want to do it.", 'why not? if it will possibly get you better', "That's true.  I've just had these headaches, and they're kind of scary."]
might as well find out now before it get worse
I've had a lot of headaches recently, so I need to see the doctor.  But I'm really nervous about what he might find, so I've been putting it off.