This was the scariest thing about sugery for me believe it or not. Yes I did have a catheter, a Foley I believe (it stays in with a little nub inside you). It was put in while I was under, so the only pain I endured was when the less than slick night nurse started tugging on it and made me bleed inside. Also, make sure that everyone watches that tube when you are walking around! That hurts as well. Lastly, having it removed was painful but I breathed a sigh of relief.
In any case, I was most worried about the pain of the thing going in, but, like I said, I was under when they did it. No big deal.