Summary of my concerns/questions:

1. My fingernail could have been bitten off and bleeding right before fingering - would this still be no risk? I am a heavy nail biter due to severe anxiety and bite them shorter than most people. There was definitely dried blood there later in the evening. When I washed it off it was red but did not appear to be bleeding further. 
2. Why do other websites/hiv hotlines all tell me that I potentially had a risk. Some forums like poz.com and the body and medhelp (thanks to you and dr hook) all say no risk.
3. Worried about possible naked frontage with the genital warts. This is very unlikely to have occurred as I was super careful but just in a worst case scenario this would still be no risk correct? Same for handjob with fluids (I have accepted this as no risk as well)
4. Comment on resuming unprotected relations with my fiancé.
5. HIV Rna test necessity and accuracy - fear of false positive and window period (std check.com) (quest labs)
6. Comment on prostitution occurring at strip club and black women have 13x higher hiv rate in miami 
7. comment on symptoms of fatigue and warm red face tingly throat (no fever or rash) - what is the absolute earlier ARS could start and is there even the slightest chance I have it/might develop it. I dont have the strongest immune system - I have had genital warts and etc and I caught them from a blowjob 1000%
8. If you knew for certain this woman had HIV I would still not need any testing correct? 

1. My fingernail could have been bitten off and bleeding right before fingering - would this still be no risk? I am a heavy nail biter due to severe anxiety and bite them shorter than most people. There was definitely dried blood there later in the evening. When I washed it off it was red but did not appear to be bleeding further. MAKES NO DIFFERENCE
2. Why do other websites/hiv hotlines all tell me that I potentially had a risk. Some forums like poz.com and the body and medhelp (thanks to you and dr hook) all say no risk. SOME SITES, ESPECIALLY BY PUBLIC HEALTH OR OTHER GOVERNMENT AGENCIES, HAVE A "TAKE NO CHANCES" MEDICOLEGAL POLICY -- IF THERE IS THEORETICAL RISK, THEY SAY SO, OFTEN WITHOUT DISTINGUISHING LOW VS HIGH RISK, AND EVEN WHEN NO SUCH TRANSMISSIONS HAVE  EVER BEEN PROVED. PROFESSIONALLY MODERATED, SCIENCE-BASED SITES LIKE THIS ONE AND POZ.COM, THEBODY.COM, AND OTHERS GENERALLY ARE RELIABLE.
3. Worried about possible naked frontage with the genital warts. This is very unlikely to have occurred as I was super careful but just in a worst case scenario this would still be no risk correct? Same for handjob with fluids (I have accepted this as no risk as well) GENITAL WARTS HAVE NEVER BEEN DOCUMENTED AS A CONDITION THAT INCREASES HIV TRANSMISSION RISK IF EXPOSED.
4. Comment on resuming unprotected relations with my fiancé. YOU SHOULD BE CONTINUING YOUR NORMAL SEXUAL PRACTICES WITHOUT FEAR OF INFECTING HER WITH HIV. THAT'S WHAT I WOULD DO WITH MY WIFE IF SOMEHOW I WERE IN YOUR SITUATION.
5. HIV Rna test necessity and accuracy - fear of false positive and window period (std check.com) (quest labs)  MY VIEW IS THAT THIS WAS A WASTE OF MONEY. HAD YOU BEEN IN MY CLINIC, WE WOULD HAVE REFUSED TO DO THE TEST EVEN IF YOU WERE WILLING TO PAY. YOU WERE TESTED EARLY ENOUGH THAT A FALSE NEGATIVE RESULT IT POSSIBLE -- IT CAN TAKE UP TO 2 WEEKS BEFORE IT BECOMES POSITIVE. BUT FALSE POSITIVE RESULTS ARE NOT A CONCERN.
6. Comment on prostitution occurring at strip club and black women have 13x higher hiv rate in miami  BEWARE OF STATISTICS. I'M SURE IT IS TRUE THAT AA WOMEN HAVE 10-15X HIGHER RATES OF HIV THAN WHITE WOMEN IN MIAMI. BUT WHAT DOES THAT MEAN? I DON'T KNOW THE EXACT NUMBERS, BUT LET'S GUESS THAT 1 IN 5,000 SEXUALLY ACTIVE WHITES ARE HIV POSITIVE. THIRTEEN TIMES THAT RATE CALCULATES TO 2.6 PER 1,000, i.e. AROUND ONE IN 400 AA WOMEN. STILL A VERY SMALL MINORITY.
7. comment on symptoms of fatigue and warm red face tingly throat (no fever or rash) - what is the absolute earlier ARS could start and is there even the slightest chance I have it/might develop it. I dont have the strongest immune system - I have had genital warts and etc and I caught them from a blowjob 1000%   INNUMERABLE MEDICAL CONDITIONS (AND EMOTIONAL ONES) COULD CAUSE SUCH SYMPTOMS; THEY DO NOT SUGGEST HIV. I WON'T GET INTO A DEBATE ABOUT THE SOURCE OF YOUR GENITAL WARTS, EXCEPT TO POINT OUT THAT ORAL SEX RARELY TRANSMITS GENITAL WARTS (WART-CAUSING HPV TYPES ARE RARE IN THE M0UTH); THAT IT TAKES UP TO 2 YEARS FOR WARTS TO APPEAR, SO IF YOU HAD VAGINAL OR ANAL SEX WITH ANYONE WITHIN THAT TIME  -- EVEN A REGULAR PARTNER WITH NO EVIDENCE OF WARTS OR HPV -- YOU HAVE NO BASIS TO ASSUME A PARTICULAR ORAL EXPOSURE WAS THE SOURCE OF YOUR WARTS. 
8. If you knew for certain this woman had HIV I would still not need any testing correct? CORRECT