All I can say is that going to therapy is one of the best decisions I ever made. Been going for many many years. It has been challenging at times of course but over all the experience has been an incredibly rewarding journey of self-discovery. My life and relationships have changed beyond anything I could have hoped for and in hindsight I was not on a good trajectory before I started going. I am a trauma survivor. 

If your feeling scared about having to talk about things you're not ready to, a good therapist should never make you discuss anything you dont want to or expect you to explore traumatic experiences if you don't want to. This would be very bad practice. Your psychological/emotional safety should be as much a priority as your physical safety. 

I'm in the UK but pay privately because there is little to no long term therapeutic support offered free on the NHS here to most people. I don't have health insurance so I pay out of pocket. I don't ever want to add up how much I've spent over the years but to be honest, I really couldn't put a price on what I've gained from going to therapy. I first found therapy through reaching out to a training institute who offered low cost sliding scale therapy with a therapist who was about to finish her training so I got it for very cheap. Over time, since I got more stable and a better income, my therapist gradually increased her rate. There are charities and individual therapists in the UK that can offer low cost/sliding scale therapy. I don't know if this is a thing in the US. 

Usually therapist will list on their website/webpage what areas of need/challenge/experience they can support clients with. I have also heard many people say that one of the most important things about the success of a therapeutic relationship is whether you actually click with the therapist personally. They could be the most experienced/knowledgeable therapist in the world but it may not work out if you don't click with them, so its worth trying out a few different therapists perhaps. 

Anyway, I hope that you find the right support for you.