I have my belly button pierced, septum, right side of my nose, and 2 normal earring piercings on my ears. I'm thinking about getting my tongue pierced. Septums are easy to hide you just flip them up and they heal from 4-6 weeks.
Nose takes a bit longer about 3 months but it depends. Belly button about 4-6 months to change jewelry and to heal completely 8 months to a year. I have high pain tolerance but the most "painful" was my nose.
I'm a girl and everyone I know isn't into the septum piercing but everyone loves it on me. Go for it you could always get a retainer at bodycandy or take it off.