Hey, happy birthday
I too am 29 and have had a lot of odd results from smears so when I went for my last appointment I was chatting to the nurse and asked if I should be going to see a gyno as we were planning to start trying in June next year and she laughed
I asked why she thought it was funny and she said its just so rare that people plan anymore (which I obviously find hard to believe) and that unless you have reason to believe you will have a problem, here's no need to get caught up in it. I'm like you, I'm still unsure and would rather just checked out, particularly if my smear comes back with irregularities again but medically, it seems that 30 isn't old for having babies anymore and we have nothing to worry about
if you are unsure though, it can't hard to have a checkup! When are you planning for TTC?