I have 12 myself.... My chest is covered, as well as my upper arms/shoulders. One one the upper center portion of the back, one one the hand, one on the forearm, and one on my calf.
Pain? Not reall, though the back piece got uncomfortable when it was on the spine..

Regrets? Maybe the forearm and hand... It's easier to keep them hidden under a shirt, even a short sleeve..and since I work out in the sun, tats are better off out of the sun..

I would also advise against getting tats that have a lot of detail, because as time goes by, tats tend to thicken(lines) and fine work tends to blur... My daughter got a graffiti piece on her back.. You can no long distinguish what it reads..

I plan on getting some more work done soon, but I am working with my artist, making sure the design is as exactly as I want.... It will be an Irish themed piece with a Harp made with the Angel, as well as a few other Irish icons..

As for the clan badge/ crest... I would avoid the direct copy of the arms, and make a design of your own making...