So, folks, I did it. I got my hair colored - to cover up the gray strands. I still feel self-conscious about it - first time I got it done and all. But I think I will feel better once I've washed it and it resumes its natural shape. For some reason it always looks very straight, not wavy as usual, when I have it cut.
The color's a little darker than it was before, but subtle enough that no one noticed it until I pointed it out.