Pnemonia is usually not contagious, but the fact that you have a recurring fever, and have a moist sound in your lungs, is reason to seek medical attention. You may need an antibiotic.
Your doctor will want to know how high the fever was. He will also want to know if when you cough if you produce mucus. If the mucus was yellowish or greenish, that is an indication of bacterial growth.
A productive cough, fever and chills, chest pain, shortness of breath, loss of appetite, and fatigue are all symptoms of pneumonia.
Even if what you have is not pneumonia, but a upper respiratory infection, it is better to get it checked. Pneumonia can delevop from a common cold.
Here is a website with information on pneumonia:
I hope this answers your question. If not, please let me know.
If your only symptoms are a cough and gurgle (which I am interpreting as a moist sounding cough), and you have no fever, chest pain, fatigue, or shortness of breath, then you are probably ok with waiting to see if you feel better when you get home.
The main symptoms you should be concered about are fever, productive cough with yellow or green mucus, and shortness of breath. If these symptoms increase, then you should see a doctor sooner, since Saturday is three days away.