To parrot what other posters have said..
In theory even if your care provider wears gloves it can force bacteria that is normally present in your lower lady parts into your theoretically open cervix. That is where the mayhem begins.
AND...
I've had so many friends walk around for weeks at varying degrees of dilation and effacement.
I too have really wanted to get exams, so I keep reminding myself of these things.
And telling myself this "My baby knows when AND how to be born."
And then I have sex, take a walk, eat spicy food, drink raspberry leaf tea, have pineapple for desert, play with my nipples and wait..wait..wait. 
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