First of all, congratulations (even though you haven't had the surgery). I really admire people who... Just are true to themselves, you know? haha sorry that sounds corny.
Okay anyways, when a tampon is properly inserted, you shouldn't feel it at all. It took me a while (I just wasn't doing it right so it took me like a year to get it perfect, I'm 15 now.) it probably won't take you a long time, I just kept not putting it far up enough.
It doesn't feel like a wad of cotton at all, pads do, though! At first, when you're practicing using a tampon, it will feel weird at first, but as you keep doing it, you stick it up farther and.. yeah haha.
Congrats, again =]
Do not, ever, never everrr pull it out like, an hour within inserting it. When a tampon is dry and you pull it out, it hurts... so ******* bad. Maybe the worst pain in my life =/