It might depend on your basic constitution. I'm more like Robin; colds go directly to my lungs and have, in the past, turned into months-long bronchitis, which I just can't afford. Plus it's miserable, exhausting, and expensive to clear out. I've cracked ribs from coughing.
Ask your doctor's office advice line. My doctor told me I should get evaluated after just 2-3 days, which I couldn't afford, but when I delayed, the illness invariably went deeper, harder, lasted longer, and required expensive office visits plus pricey meds. So now I just go to the doc right away. Sometimes she decides against antibiotics and just gives a high-powered cough med, plus mucinex. Yet I know people who can cough hard for a week, and just get better by themselves.
What's been your experience with previous colds with cough?