are pelvic exams necessary?!

yes, they are to pick up any problems at an early stage so they are easier to deal with. if you do not get regular pelvic exams and pap smears you may have a problem is made much worse my late detection.
when you need one (after you are sexually active) go to a female and tell them you are nervous, they will have dealt with many nervous girls having their first exam and will be able to talk you through it to make it less scary.

Yes, they are necessary. But don't worry, it's not as scary as you think it's going to be. It doesn't take long, and the doctor knows how to touch you without making you feel like he's "touching" you.

Yes you need to have them done.

Short answer: YES, you need to be examined at least once a year..