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Depends on your tolerance for pain. I don't find it that bad and I've had my tattoos done in some sensitive places. The more fleshy the area, the less it should hurt, but this totally depends on the skill of the artist. I had one that was just horrible and it hurt way more than it should have because he was going too deep. You can also take ibuprofen before you go to help if you don't tolerate pain well.
If you have a basic idea of what you want, you can go to an artist for them to design something. Or if you find a piece of a design, you can have them modify it into something that you would like. I just had my son's name and birthday done in a star on the inside of my wrist with smaller stars and a sort of scroll design in the background. The artist I went to modified a picture I found to make it work and it turned out awesome. All of the parlors I've gone too have been pretty laid back about looking at their studio before getting work done to make sure you find it clean and acceptable. If your state licenses the studios, you can call and check on their record as well. You'll find something that will work for you!