Yes, I realize all sorts of unpleasant things are going to happen down there. However, I had a lot of health problems when I was younger and after that experience I really try to avoid anything invasive if at all possible. I just want to rule out an ectopic pregnancy and ensure there's a heart beat at this stage. If they can do that without sticking something up me then I'd rather go that route. They're going to do another u/s at 20 weeks and they should be able to see a lot more then.
I agree with your sentiment completely and other than a pap smear at my first appointment nothing was inserted into my vagina until my doctor checked for progress at my 39 week appointment. I personally wouldn't chose a doctor who practiced otherwise.
If you share you concerns with your doctor and your doctor is a reasonable human being I'm sure they'll assure you there is no reason for a transvaginal u/s at this point in time. By 11 weeks you should be able to hear the heartbeat with a doppler, just fine. We had an abdominal u/s done between 11-13 weeks for the n/t scan and the pictures were perfectly clear and anything the doctor needed to see she was able to see without any problem.
I don't doubt that if the pregnancy is ectopic you would have an inclination to such by now.