A drop below my wrist, below the skin I enjoy a pencil tip sized bump?

what could it be? a bit pointy, no real stomach-ache and yes, I will go to a DR.

Answers: a cyst, a bony calcification, a cartilage calcification, etc. I enjoy one on my middle finger. They say it is extra cartilage but mine hurts.

sounds close to you have a ganglion cyst. regrettably, if you smash it, it will probably come back subsequent. you could go to a doctor and achieve it removed though.