Turtle18, my question becomes, why do you desire not to receive ashes?
I know you say that you have no way of explaining; however, I do honestly feel that if you reflect upon this carefully, you will have an explanation.
The ashes are simply one of many sacramentals, such as holy water, blessed chalk, medals, prayer cards, rosary, etc…
BALTIMORE CATECHISM
Q. 1053. How do the Sacramentals excite good thoughts and increase devotion?
A. The Sacramentals excite good thoughts by recalling to our minds some special reason for doing good and avoiding evil; especially by reminding us of some holy person, event or thing through which blessings have come to us. They increase devotion by fixing our minds on particular virtues and by helping us to understand and desire them.
Q. 1077. When are ashes blessed in the Church and why are they used?
A. Ashes are blessed in the Church on Ash Wednesday. They are used to keep us in mind of our humble origin, and of how the body of Adam, our forefather, was formed out of the slime or clay of the earth; also to remind us of death, when our bodies will return to dust, and of the necessity of doing penance for our sins. These ashes are obtained by burning the blessed palms of the previous year.
Yes, we are going to return to ashes but it is only a temporary state…God is going to raise us up on the last day and gloriously restore our bodies…doesn’t Ash Wednesday lose sight of this?
And yet, our origins are still the same - we are of humble estate, surely beloved of God our Father and of our Lord; however, as Christ said, he who would be first must be last (Start at Mark 9:30 and read thru to Mark 11, and also in Matthew 20:26 (maybe start at v20 there too… the context is important) and the Ashes help to keep our balance by reminding us of this fact. I hope that the body that is restored to me isn’t the one I am currently using… torn-knees, 1/2-blind,

, as it reminds me daily of the temporary nature of this life.
IMHO, I think that is what all of our Sacramentals do for Catholics… help us to stay balanced, in the world, but not of the world. This is why I would encourage you to receive the ashes… even if you wipe them off before you leave the pew after Mass. (^_^)
If nothing else, offer it up as your first sacrifice for each Lent.