We are in early intervention for our daughter for gross motor but in CT, they evaluate everything whenever they evaluate anything.
Don't be too worried (impossible, I know). You'll know a lot more after the evaluation. Speech is a lot more than how many words - a speech therapist or language pathologist will ask about and observe all kinds of communication: signs, pointing, emotional expressions, etc. If your daughter qualifies for therapy (which is a big if), it's likely to be really helpful. Our daughter just adores her physical therapist and she's been super super helpful. All therapy that we've had is play based. Really, at this age, the babies won't do it if it isn't fun so it's up to the therapist to figure out how to make things fun.
One tip that I wish we had had. If you don't like your birth-to-three person or agency (assuming you get one), you can ask for a different one. The first agency that we worked with was horrible. They didn't even do the evaluation correctly. For example, they were required to send two people to the eval, but only one came and she was a social worker. They canceled stuff. The scheduling was a disaster. But, we said we wanted to change and the new agency and our therapist have been totally excellent!
And, yeah, a crying mom would probably get our ped to refer us for an evaluation too. But there's absolutely no harm in getting this checked out.