Pregnant with a cold, when to go to the doctor?

Hi all!
So I’m now 20 weeks pregnant and have come down with a cold, it’s starting to clear up and seems to be getting better, but I’m still blocked and every morning I wake to a coughing fit – that normally goes once I’m up – very mucous based. (sorry)
My concern is pneumonia, if I had this would I be coughing all through-out the day?
I don’t want to go to the doctors unnecessarily but when you read things online about colds and flu’s in pregnant woman the scare tactics work!

Anyone have any idea about pneumonia – I’ve had this cold for 5 days now.

Thanks!