jarbabyj - I do empathize. I have the same thing, multiplied by about 20 on various parts of me 
I have been through similar things to you - liquid nitrogen, duct tape, “paint and scrape”, “home surgery” (ouch, not recommended for so many reasons…) Nothing worked. The little buggers are on my hands, knees, and feet (plantar variety). Of course I have wonderful HMO insurance so (a) I have to get a referal before I can even see the dermatologist (b) he’s so booked up that it takes a month to get an appointment and (c) his main goal is to kick me out of the office as quickly as possible and extract the copay. Last time he just squirted the warts with a liquid nitrogen bottle, sent me on my way. Of course the warts laughed at his attempt and called it a “silly thing”, growing back with interest. Oops, did I just slide into the “HMO rant” ?
As a kid I had one on my arm, that defied a gallon of Compound W over the years. Somebody said to put castor oil on it, so I did, and nothing happened. But as soon as I stopped messing with it, it went away and never came back. Go figure. But anyway, go to the dermatologist!
My post was eaten earlier, so I’ll try again:
If I was an old Greek man, I’d suggest Windex. The cure-all!
But I’m not. And I had a wart on my toe when I was a wee lass. Compound W for weeks and weeks did nothing. It eventually left me when it ripped off as I was crouching behind homeplate as catcher. Thankfully it has never returned…
You know, I really don’t know. My best guess is that it doesn’t normally hurt that bad? I’ve had friends who’d had it done and they said it didn’t hurt much at all. I don’t feel like I’ve exaggerated much, and I felt even the doctor was surprised I wanted to keep going.
I feel guilty for scaring jar, especially since hers is in the same location, but I’d want someone to tell me the truth, too. Maybe she’d find it was smooth sailing, but I know I’d never have agreed to go through that much pain when there was alternatives.
Damn, is it the air? I developed a wart on my ring finger while in Chicago this past summer, and like jar’s wart, it has resisted treatment.
I might try duct tape. I had a wart surgically removed from my foot once (with freezing, etc.)–it wasn’t that bad, but I caught that wart within days of its appearance. I wouldn’t want to have a months-old, vascularized wart scraped outta my finger, no way.
I feel for you, jarbaby.
I had a planter’s wart on my foot, and i got rid of it with a nail file. Never came back. I suggest you go see a dermatologist about yours though, because if its at the nail bed a file is going to hurt quite a bit.