Waaait... as second... am I the first person since the OP of saying I have a tattoo? Shame on you tattooless people shame! :P XD (if you're underage, you need parental permission, though I think that is for age 16-17, but I can't remember).
Anyway, my tattoo is a latin quote that I made up myself, and that is written in the matrix font of my own manual design:
"In somnio vivo, in mea domo vera,id est in regno dei, expergiscar."
"I live in a dream, I will wake up in my real home, God's Kingdom."
No I am not overtly religious, I am a Deist. :P XD
And I also want 3-4 more tattoos... I just need the money and the design finalized.
I figure, if you still want the same tattoo from one year after first thinking it, then definitely get it.
In regards to the pain, it depends on where you get it, plus your own threshold from pain. I've got mine on my shoulder (just below), and it felt a bit like pencils stabbing me, but other times just like an eraser pressing against my skin.