From a guy who knows about Shingles I offer the following:
Get the shot, get the shot, get the shot!!!
It does not matter what it costs get the shot. I would have given thousands of dollars to end the suffering I had to endure because I had not gotten the shot.
The sooner you see your doctor and he can start you on the medication the shorter and less severe your outbreak will be. The initial marks and pain had us thinking it was a Brown Recluse spider bite (on my ankle). The pain and rash quickly spread up my right leg and onto the bottom of my foot. I was flat on my back for weeks, popping Oxycodon's like breath mints and still in more agony than you would believe possible. The pain goes right down to the bone.
As a parting gift the Shingles left me with PHN (Post Herpetic Neuralgia), which is permanent (phantom), nerve pain along the bottom of my foot. Only a small percentage of Shingles victims are cursed with PHN (lucky me), but it lasts forever. Every step I take for the rest of my life feels like I have sharp gravel in my shoe, even when I am barefoot.
Most outbreaks of Shingles are triggered by stress. Keep major stress out of your life and get the shot and chances are you will never have to suffer the horror of Shingles. Good Luck! :E