Given your genetic predisposition and symptoms you are describing, I would definitely recommend getting tested. Another question to ask yourself - are your periods irregular? My were from age 18 on. I just chalked it up to being one my personal idosyncrasies. I was 35 before anyone ever even heard of PCOS.
The primary tool for testing PCOS / IR is a glucose tolerance test. 3 blood samples are taken: 1 after a fast (no food after midnight), you are given a sugary drink, then 2 more samples are taken 1 hour later and 2 hours later. If your sugar levels show normal, but insulin levels are abnormally high, then you have Insulin Resistance (IR) and most likely PCOS.
You can locate a doctor in your area who specializes in PCOS on this website:
http://www.pcosupport.org/membership/professionals.php
If that doesn't help, I would start with a good endocrinologist. They can diagnose and treat IR.