Is it worth a doctor's visit?

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That's the question I've been asking myself for a few days now. Here's why. On Tuesday, I was in the backyard playing with Sophie. I looped the ball over the fence. It landed close enough to the fence that I thought I could reach it. While reaching over the fence, I slipped on the wet leaves alongside the fence and fell hard with my ribs hitting the top rail. I felt something pop inside and it hurt like the dickens for a few minutes, but the pain eased enough that I could continue playing with Sophie. There was no discoloration or swelling, and I've had no trouble breathing. Just some pain when turn or bend certain ways. The area that hit the fence is also tender to the touch. K says I should see a doctor. I say I am not going to waste the copay for a doctor's visit just to be told I have a bruised or cracked rib and there's nothing they can do about it except recommend rest and pain killers. Am I being a typical stubborn male, or am I right not to waste my time and money, not to mention exposure to all the virus shedding patients in the waiting room?