You don't need PEP. You didn't have a risk from this incident.
You are clearly exhibiting paranoia. It is your assumption that she is HIV positive, that information is totally in the grey.
Hypothetically if she was positive, your rectal tear was not deep enough to let the infected blood reach out to your nervous system. Also, there would've not been adequate amount of blood to cause any infection.
I would've been only worried if she had her finger chopped off that moment, it was bleeding profusely and yet she was inserting it in to your anus. Fortunately, that's not been the case. Therefore, there is nothing to worry.
Please see a counselor for getting rid of irrational fears. The problem starts from the point where you assume that she is HIV positive, your assumption is due to your own paranoia. HIV is not your concern, no testing necessary.
This answers all of your HIV questions, and if you can think of any more just reread about the 3. You had zero risk therefore testing is irrelevant to your situation because you had zero risk. HIV is a fragile virus, which is instantly inactivated in air and also in saliva which means it is effectively dead so it can't infect from touching, external rubbing or oral activities. It doesn't matter if you and they were actively bleeding or had cuts at the time either because the HIV is effectively dead.
Only 3 adult risks are the following:
1. unprotected penetrating vaginal with a penis
2. unprotected penetrating anal sex with a penis
3. sharing needles that you inject with.
The only way to get HIV is if you did one of the 3. The situation you describe is a long way from any of these 3.
Even with blood, lactation, cuts, rashes, burns, etc the air or the saliva does not allow inactivated virus to infect from touching, external rubbing or oral activities. Doctors have calculated the risk from what you describe to be less than that of being hit by a meteor, therefore no one will get HIV from what you did in the next 40 years of your life either. The above HIV science is 40 years old and very well established, so no detail that you can add to your encounter will change it from zero risk.
This is an hiv prevention forum, and your situation is straightforward to move on, since you didn't do any of the 3. There is no need to try to turn this forum into a biology class for laymen or we will be here all month.
Those are 2 different scenarios. The doctor is recommending testing to a bisexual male who engages in anal sex, there are a lot of factors that they have to consider while advising, your situation is nothing related to it.
You can't acquire HIV through anal fingering, we have discussed this before and there is no point in fretting about this again.
Coming back to this forum and telling us that you didn't take PEP is unreasonable.
Firstly, you didn't need one because you had no risk.
Secondly, it was always told to you that PEP is a subject matter that need to be discussed with your doctor and not here on online forum.
You are still digging up posts from the archives of this forum shows that you are reading incessantly about HIV, this is unhealthy for your mind, please see a therapist for seeking help. Your symptoms are unrelated to HIV, you did not have a risk.