Whenever I have a consistent change of bowel habit, I do go to the doctor. The last time I went was a year ago and because of my age, more than anything else, I was referred to the consultant and had a colonoscopy. All was well and the change put down to functional reasons, in other words, my IBS. No solutions, but the reassurance that nothing sinister was going on. It's hard when your bowels rule your day. I have similar challenges as you do. I have OCD tendencies and like to feel clean, but you just have to get on with it. Do seek advice from your doctor, expressing what your concerns are, including how to protect your vaginal area. ( I could go for several days without going, to doing small motions over 10 tens a day, and I have had accidents. I do recommend fybogel, which has helped lessen the severity of this. )
The other thing to remember, as I was by a life coach, is that my digestive system is working; it's keeping me alive, despite everything. It's doing it's best and not trying to screw me up! This keeps me calmer! Be kind to yourself and do seek medical advice.