Does it hurt real bad and how long does it take to heal?

I am considering getting a tattoo just below my stomach, but above the genitalia. I just wondered if any of you could explain how much it really hurts, as I have read about it feeling like a burning scrape feeling but wondered if it would be the same here, or slightly different.
Thanks in advance for any answers you post.

How bad does one hurt, medium-sized, on your upper back, right below the back of your neck? Have you ever had one done after numbing gel was applied? Is there any risk of getting hepatitus or any other disease from getting one done, let’s say, in a big city tattoo parlor, like in San Diego?

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