The urine test is really to rule out infection not really to confirm cancer. In my case, which is my only experience - Urine came back clean (no blood even) and blood came back without conclusion, and I was healthy; nothing elevated and nothing out of order. The CT contrast found a small mass, the Cystoscopy confirmed the tumor, and the TURBT a few weeks later removed it.
I had a horrible association with cancer as most people in my family who had it died within a few weeks or months, so I was scared as hell when I learned I had cancer. My URO is awesome and through all of this I really have little fear or concern. There is some discomfort with BCG and scopes, I won't lie - but it's not chemo and it's not super destructive. Have faith that even if it is positive the road ahead won't really be all that different than the road behind. I have never had a Pap, being a man, but from watching 2 children being born - you got this if you've had 6.
Josh