What does it take for you to go to the doctor and/or vet?

Just as it says.

At what point do you decide that you or your pet needs medical attention?
I notice this trend over the last several years, where absolutely everything needs to be addressed by a physician or a veterinarian. I’m not saying it is bad, I’m just not one of those people. Then again, I lived for many years without health coverage… so I think you learn to get along pretty well without a doctor under those circumstances.
What is it for you? What symptoms would you or your pet have to be showing in order to get to a doctor?