Hi,
I am currently 10 days late. My situation is a bit particular because I went off the BCP after 10 years of taking it, and although I had 1 regular cycle, this 2nd one seems to be taking its time. I totally understand what you mean that you don't want to do a test and be disappointed. I could take a test every day, but I have limited myself to every Wednesday and Sunday.
But I think it's time to muster up the courage and take the test. You never know, it could be a happy result! Good luck!