Excuses - apartments, bladders and anxiety

I'm full of them, but to me they're more like reasons. I know a lot of people will read this and think 'suck it up' which I understand, I tell myself that all the time too, but these are all genuine reasons that stop me from working out. I want to know if anyone has any advice for me, even if it is the deal with it kind - if that's my only option, then so be it.

1. Apartments
I live in an apartment, a small apartment, and the middle storey. I did the 30 Day Shred some time ago and never had any complains from the neighbours, but that was because I could workout whenever I wanted and it was least inconvenient for whoever lives downstairs. I'd workout middle of the day/early afternoon when there is max. noise outside and the least chance of the neighbours being home. I also worked hard to decrease my noise. I hate not being able to workout when and how I want. I hate that I can't do it before work or at night. I hate the space constraints and the heat.
The apartment complex has a gym, which my boyfriend uses, but for reasons listed below - it's generally a no go zone.

2. Bladders
Yes, TMI. But my bladder is terrible. Honestly, this is one of the reasons I will never be able to go to a gym. I can't stop every 5 minutes during a group class and go to the damn bathroom, that's just silly. Not to mention the consequences of squeezing in an extra minute. Yikes!
At home, I can pause my DVD and head the 4m down the hall. At a gym, that's a lot less of an option. At our apartment gym, there are no toilets. If I have to go, I have to walk all across the carpark, pass 2 other blocks and then go up the stairs to mine. It's a real pain.
This also counts for going jogging and for long walks, I just can't handle it.
I have tried doing my exercise earlier, before I drink my water, which helps but does not eliminate the problem. Plus I haven't got the time in the morning to trudge from gym to bathroom three times during my workout.

3. Anxiety
Even if these problems were eliminated, there is no way in my life I will ever go by myself to a gym or jogging outside. It is freaking terrifying. I know I'm a 93lb 20 year old girl, what have I got to worry about? I see people so much older, and larger, and less fit than I am doing it - why can't I?
I don't really know. It's just so damn terrifying and I can't get past it. I'm so ridiculously impressed with every person I see exercising where people can see.
I've tried jogging, but wearing baggy jogging shorts and sneakers is not a nice look with my pale flabby legs shown off to everyone. Tights aren't going to happen, they show it off just as much and I'd burn to death. Sweat pants? Way too warm. I've thought about doing a walk in the morning, when it's still cool, but an hour is a long time when it's early and you have to get to work/uni/somewhere.

I know they're all silly reasons, but they are enough to hold me back here. Especially when I know I'm small and walk a lot, swim at the beach/pool casually a lot and eat carefully - why bother? Yes, that sounds silly and vain. I know all the health benefits for exercise, I've felt them, but then comes the: I'm 20, I can worry about that in 5, 10, 20 years time.

I can't afford a gym membership and couldn't get to one anyway (transport) and won't ever go by myself (my friends don't exercise/I'm not close enough with them to ask). Ugh.

(Just ranting, finished now... feels better seeing how small and stupid these excuses really are.)