First, in the US, most sex workers do not have HIV -- well under 1% are infected. Second, HIV is rarely if ever transmitted by saliva. Even oral sex to completion has never been proved to result in mouth to penis HIV transmission. Speculating that "a speck of blood" entered your urethra is pointless:  even that would be no significant risk of HIV. Finally and most important, the 4th generation HIV tests are 100% conclusive at 4 weeks. Even if you had had a risky exposure, the test result proves you weren't infected. 

You don't say what other STD tests were done, but probably those also are conclusive, especially if you had a urine or urethral swab test for gonorrhea and chlamydia. In any case, the risk of these and any other STD also was very low. This event need not worry you any longer.

I hope these comments have been helpful. Let me know if anything isn't clear.

HHH, MD

The oral fluids HIV tests are designed not to test saliva, but crevicular fluid -- i.e. seepage from around the teeth. Second, the oral fluids test is for antibody, i.e. the body's immune reaction to HIV. A positive result on that test does not mean the virus itself is present.

As for timing to positive tests, "most sites" are just being very conservative, or they haven't yet updated their advice. Three months to conclusive results is old news, dating back to HIV antibody tests no longer in use. With the antigen-antibody tests -- that is, the 4th generation tests like you had -- it's 4 weeks. Even for standalone antibody tests (3rd genration), it's 6-8 weeks.

So really, you don't need to be worried about this. If somehow I had been in your situation, I would not have been tested at all and would have continued unprotected sex with my wife, with no worry about infecting her.

Don't beat yourself up over a very human sexual decision you happen to regret, especially since you had entirely safe sex.