Welcome to the group! This group has been a blessing in coming to terms with my own incontinence. I have been where you are now. I have run the gauntlet of tests, treatments etc.. what I thought the cause was and a treatment that DID work, for 4 years, until..it didn't. I hate to say this, but my incontinence started out like you describe, and progressed to the point where i wear ( but not use) tabbed style briefs 24/7. But I do have some control.. its just i wear the briefs due to the fact I'm a man, and pull ups are not designed for men due to our anatomy, not to mention I need all the capacity i can get for the occasional morning deluge. Those are lovely

. It does get better over time as far as coming to terms with it. Take it from a guy who's had to deal with it all over again after getting dry for 4 years. As far as wearing protection, once you get used to it and come to terms, it really doesn't matter what you wear. Wearing a pad vs wearing a pull-up wouldn't make you less incontinent. I hate to say this, but it sounds like you really need to get the max protection you can get, and then you have a few favorable days, taper down to the pad. I've so gotten used to wearing diapers I can't even remember what regular underwear feels like. I go about my day with confidence BECAUSE I wear protection I trust. Think about this: What is worse? Wearing a pull up (or even a tabbed diaper if you need it; they make them cloth backed so no one can hear, and if you wear you pats a size up no one can tell at all) and being protected, or wearing pads and being surprised by Niagara falls. and ending up with wet pants?
Hang in there, and don't be afraid to ask questions. We are here to help.
Caveat: Please see your doctor ASAP. They will answer your questions most effectively. And don't be afraid to go for tests for OAB. They may seem unnecessary but they may rule out serious causes like neurological disorders. Incontinence can be a side effect of a million different things, some of which could be cancer, multiple sclerosis, or diabetes. Those 3 are definitely ones you want to rule out. If it is just OAB, then there are treatments available. There are medications and if those don't work, biofeedback can help (it did for me, for a time) and I'm undergoing a treatment right now called Nuro. It's too early to tell if i t will work for me because I'm not done with the course of treatment. Speaking of which its time for my appointment.
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Peace out!
Rob