I've had several encounters with police in which my rights or the rights of others were trampled upon, and I have held my ground in each of them. Take me to jail if you must. I have sat in jail.
Making it just about me and my life is selfish.
If refusing to relinquish my right not testify against myself causes me personal suffering, it is my duty as a free mind to accept this personal suffering in order to stave off an ever-encroaching police state and take part in the struggle to give my posterity a better world to live in.