L.K.
All you can do is assure her that she will not have to do anything that she is uncomforable with but in all honesty I don't believe at 12 years of age she should have much say so in the matter. Your her mother and know what is best for her. She doesn't have the maturity to make these kinds of decisions for herself. But you don't want to set her up for something that's going to make her not want to take care of her female medical needs when she is a grown woman. Explain to her that all "responsible and mature women" get checked out on an annual basis because the female body is very complex and catching problems early can save your life. If she wants to be treated like a young woman who is going to want more say so as she gets older than she needs to start by showing you that she can make responsible decisions and certainly taking care of oneself is a great place to start. Hope this helps a bit, L. K.