Magneto,
if u have been gg for pap smears, u should be fine. no need worry that much. I was very much like u. In fact, I was so kiasu, asked my hubby go for sperm count/ quality check when we decide to start trying for BB. My dr laughed and said dun waste money! End up, I got pregnant the very month we start trying. Kekee.. I am in my 7th weeks now, so this is very very recent experience!
As for folic acid, yes take now! I start taking them 10 months ago. NO need see dr or get prescription. if u buy at pharmacy at hospitals, they are dirt cheap.
Oh yes, if u try hard for say couple months without success, get a ovulation kit. My friends all swore by it and I used it myself too. So maybe that helps. My menses are regular but we just need the precise "time" so as to attack my egg accurately. hehee..