I'm not quite sure what your question is here now.
You asked if you may be endangering your future fertility by your masturbation practice. You may still have an infection without knowing it. Or you may have had an infection in the past which caused scarring. Generally, just douching with warm water is not a health hazard, so unless the water is hot enough to scald you, I don't think you could have hurt yourself seriously.
A hormone workup is when they test your blood or saliva for all hormone levels. Some hormonal imbalances can be caused by things like ovarian cysts, tumors, thyroid problems or pituitary problems.
A doctor can test those things without a pelvic exam.
Personally, if you can't bear to have a pelvic exam, I don't think you're mentally prepared to engage in sex responsibly with another person.
You've asked for help, so you are obviously concerned about your own behaviour. I did not suggest seeing a psychiatrist - I suggested a support group for sexual addicts. Some are groups that have online bulletin boards like this one.
It's up to you. Decide what is most important for your future.