Dear Annie: A few weeks ago, a friend and I had a trip to Costco planned. The night before, I fell in my house and wasn’t sure if I sprained or broke my hand in the wee hours. I couldn’t make up my mind whether I should go to urgent care in the morning or the ER that night. I was in pain, but it wasn’t killing me, so I decided to reevaluate it in the morning. I was hurting enough in the morning…