RE: DD "holds it" until naptime/bedtime, will NOT use potty
Well, I would worry about it. And if your DD has a history of UTIs (or if you do) then I would probably worry about it a lot. Holding urine for hours and hours is very unhealthy for the urinary tract.
My friend's DD did this. Her DD could easily hold her pee for 5 or 6 hours. My friend found that using incentives (OK, bribes :) ) helped a lot. The trick is finding what works for your child (little toys, treats, stickers, etc.).
HTH,
Beth, mom to older DD (8/01) and younger DD (10/06) and always missing Leah (4/22 - 5/1/05)