Any one have septum?

I've wanted one for over 2 years now and I'm pretty set on getting one sometime this summer. I've done all the research one can probably do but I still have a few questions that are linked to a few fears. I am planning on asking my piercer to flip it up, so it'll heal that way & be out of sight. However, I've read that the piercing can swell and become red. I don't want it to be obvious that I had something done. So any one that has had a septum done or know anyone that did, how red or big did the area get? I'm also slightly afraid of keloids. Can that occur from bacteria buildup? like not cleaning it properly? Even though I did read that keloids is a genetic thing & it also affects people of darker skin color. I'm brown, so I'm kind of worried about that too lol. Thanks to anyone that bothers to answer! c: