As you can see, although my exposures were not very risky, at the beginning of August I took a test that came back negative

The thing is that I have resumed unprotected sex with my wife until today but I have attended to some other erotic massage always without seeking penetration even with protection. 

I always try to have the massage on a massage table to avoid body-to-body massage and to have the masseuse wear panties. 

But in this time so far on two occasions the masseuse was totally naked and although the massage was not purely body to body I am concerned that there might have been contact with our intimate parts, my question is what would be the risk if accidentally there had been a penetration for a few seconds? I think I would have remembered or avoided it because of how strict I am, but my mind is already making me doubt it.

It has been more than 40 days since these massages with the masseuse totally naked (the most recent ones were on a stretcher and with the masseuse in her panties) but last week I had an episode of cold (I never get sick) where although it was not very strong and I did not have a fever, it lasted a week with nasal congestion, snot in the chest, a little cough, headache and a day of discomfort in the throat and aphonic voice which worries me. 

Muchas gracias 

Since you require your massage contact to wear panties, there could not have been vaginal penetration. And of course you would have remembered penetration if it occurred. There is no possibility of HIV. In addition, your symptoms do not fit with ARS:  they started much too late (usually symptoms start within 8-10 days), and ARS does not cause nasal congestion or cough. There is nothing to worry about and no need for testing.

Let's make this your last question for any exposure that does not involve obvious high risk. You should not need to come to the forum every time you have a massage that does not include unprotected vaginal or anal sex. OK?

HHH, MD