Do I really need to get the Guardasil injection?

One doctor i talked to said i need to get it immediatly, even though i'm not ually active, but another said that i could wait until college, or even later. And she also wanted to wait until more studies and testing was done on the injection. Are there any risks in getting the shot? And how much does it actually protect you? because I have a phobia of needles, and the less shots i have to get, the better. I'm also wary of modern medicine's attitude of giving drugs out for everything. I dont like to take any medicines or get vaccines unless they are really necessary.