It isn't so painful. I have a dolphin above my left ankle which really tickled when I got it done and I have a leaf chain around my right ankle... ok that one hurt quite a bit at the front and back of the leg but the sides were fine
I'm getting another one (on my shoulder blade) very soon!
I'm not so sure about a female getting one done below their navel - if you're planning to have kids then stretch marks would kind of destroy it.
BTW, I'm new here so hello everyone