Lymes doesn't HAVE to be bad--but it does have to be caught and treated. I've become hyper-vigilant about it since a couple of friends have become ill from it. If their doctors had caught the (classic) symptoms and listened to them for 20 seconds, they could have been saved months of grief.
If your doctor thinks you're being a hypochondriac, shrug and say "test for it anyway, just in case." It probably isn't Lymes--but if it is, testing for it now could save you a whole lot of trouble!