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That's depressing, I can only imagine what it's like to ponder wether or not to get checked because you can't afford it...
My general rule of thumb, if there isn't a significant risk to life, limb, or senses in the next 24 hrs, I'm not going to the ER.
I don't go to a GP ever. They stole my blood and piss, and then told me to come back in 6 months and did it again. The headache of setting up the appointments, rescheduling work, travel, and copays means it just isn't worth it.
Finally, if I have an injury, and it's still affecting my daily life 3 days later, then I go to urgent care, and sometimes that even feels like a waste of money. Cost 180 bucks for me to get a pinched nerve in my shoulder diagnosed (couldn't sleep for 3 days) and they prescribed me maximum strength acetaminophen and some steroids which blew my heart rate up to unsafe levels so I stopped taking them. Pain finally went away about 4 days later on its own.