Can someone explain what OCD and the "ick" is?

I'm really struggling to figure out where my OCD ends and where I begin. I’m scared of most things—not in a panicky way, but in a deep, cautious, worst-case-scenario kind of way. Example: I haaaaaaaaate my spectacles. I’d love to do Lasik, or even just wear contacts, but the idea terrifies me. I’ve heard about the tiniest risk of blindness or infection, and once that thought is in my head, it takes over. I picture the worst, and then I don’t act. TRIGGER Also Lasik involves cutting TRIGGER which petrifies me. I’m stuck between wanting change and being too afraid to make it. The same goes with wanting to travel but being scared I'll be trafficked or someone will plant something in my bag & I'll get arrested overseas. No amount of praying will fix it. Does anyone else feel like their OCD makes them freeze in everyday decisions? Like you can’t tell if you're just being practical or if it's the OCD gripping the steering wheel again? Maybe it's just me. Maybe it's not OCD but my personality, that's what I'm trying to figure out.

What irritates me the most is that during intimacy with my husband, it happens that OCD puts an image and scene in my head, my sister or someone for whom my OCD is attached and it's literally as if that intimacy is happening with that person, and it seems real that I can and it's exciting! I'm working on ERP during that, but it's still hard to digest... I don't know if it's the same for you?

Another way to describe it is a loss of ability to let uncomfortable thoughts flow through our minds. It's like a fire alarm going off in our heads and an urgency to work out what these thoughts mean and what we can do about them and it's the exact reason why going to talk therapy is the worst thing that someone with OCD can do.