Beginner Guy said:
...but i would assume this is a nerve racking experience for most young women.
When Tiki first posted here, she said:
hi ive never had a physical and i wondered what they do cuz i heard they go downstairs on you.
To me, it does not sound like someone who is worried about a visit to the OB/GYN. It sounds like someone "worried" about visiting a MD. She said "physical" not "exam". (And, physicals can be very common for school (both grade school and college) and work.)
If it were an OB/GYN, sure, it can be embarrassing and "scary" the first time. I, personally, feel it helps to have a female Dr. the first time (few times).
As Pincessa said, virgin or not, it's best to start annual exams around the age of 16-18. (Older teenhood.) You can be a virgin but still have worries of yeast infections or cancer around our womanly parts. Not to mention, most OB/GYNs do a breast exam during your annual visit. A seemingly healthy woman, young or old, could still be subject to cancers of any kind.
Also, if a person has been sexually active (that does NOT mean "intercourse only"), they run the risk of being exposed to STDs. Oral sex and "foreplay" can transmit diseases as well.
~Puppi