A faecal calprotectin test is a useful tool but alone it's not enough to diagnose or rule out IBD as 1) not every person with IBD will have an elevated faecal calprotectin level and 2) people with other conditions can have an elevated calprotectin level.
It's a relatively new test though and as more research is done we may come to understand better how to use the test, how to interpret the results and/or to understand it's limitations so the way in which it is used may evolve. Or it may no longer be used at all because there may be a more useful test that will replace it.
You can read the NICE 'Protocol for the Assessment of Faecal Calprotectin'
here which goes into some of the considerations in deciding whether it should be used by GPs.
Everyone understands the frustration of waiting for tests and the desire for the whole process to be easier and faster.
It does sound like you are doing just what everyone here would advise - namely seeking medical advice. You've seen your GP and your GP has referred you to a specialist.
It's frustrating to wait but there is only so much that you (or us on the forum or even your GP) can know from symptoms alone and these other tests are needed to get a diagnosis.
In the meantime, I think you should try not to worry about the possible diagnosis. There is a very good chance that you only have hemorrhoids and perhaps IBS, as you said.
However, having said that, I do not think that it would be responsible of me to say that you shouldn't bother getting it checked out further, because it might be something else. You have the right to do whatever you want with your health though but I think you absolutely should go to the consultant's appointment that your GP has referred you for.
And I think it would be sensible to allow them to do a test like a sigmoidoscopy or colonoscopy. It's understandable to feel nervous or embarrassed about a test like that but remember that it is not such a weird and uncomfortable thing to the doctors - they do these tests all day and every day for patients! But you can always tell them you feel nervous or uncomfortable about it. Tell them if you would like sedation for a sigmoidoscopy or perhaps even to be completely out for a colonoscopy.
As to a rectal exam (more info on this NHS rectal exam page
here), it probably won't be painful as it isn't for most people but you can ask them to apply a local anaesthetic to numb the area (read this NHS 'how a rectal exam is performed' page
here). The doctor will only insert a gloved finger and have a feel for internal hemorrhoids or any other masses. Remember it is one finger and the muscles are designed to be able to relax and allow the passage of things of bigger diameter out through your anus. Again explain that you are anxious about the exam. They'll possibly suggest you take take some deep breaths as the calmer and more relaxed you feel the less uncomfortable it will be.
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I have no more spoons for this