Yes, it is far less than an episode of bowel movements or diarrhea or that which is created by acid reflux or indigestion. But yes, women and men show that episodes of urinephobia are true & not just a hypothesis waiting for national longitudinal study. You will not develop a need for psychotropics but will realize that you are ultra-sensitive about people talking about you or even looking your way because you tinkled and the drop was probably heard. You are not the epitome of an illuminati, who can contain oneself and what others will believe about your tinkle. You might very likely have poor coping mechanisms about how you sound to people, even when you wee. But urine is a natural process to have. Imagine having genital mutilation and not knowing the grand feeling a tinkle is when you have it.
When I first heard of this, I surely thought I had developed urinephobia. But I am sure that my anxieties about jokes people constantly chase me for, are my father's fault; and not every individual I come across in public toilets agrees for me to believe I have this phobia.