You aren't bothering anyone. That's what this forum is for, to ask your questions. I agree that this is no risk. The ONLY risks are having unprotected vaginal or anal sex or sharing IV drug needles. Air inactivates the virus. So, that's why if you have a scab or hang nail that even if it is covered in blood, it will not transmit. Your question about intercourse. Well, normally the penis doesn't come all the way out and it is only the urethra or head of the penis that needs to be covered. You won't get HIV from blood on the shaft. That's why a condom can slip up and you are still not going to transmit HIV if the head of the penis is covered. And it's important to remember the odds here. It is less than 1 percent chance of getting HIV from unprotected sex. Think about how slim the chances when someone has a true risk. As long as you use a condom for intercourse, whether anal or vaginal and don't share drug needles, you will not get HIV.
Your situation involves personal contact with an object in air ( finger, blood etc.). You will be happy to learn that you had no risk, because you can't get hiv from personal contact except unprotected penetrating vaginal or anal, neither of which you did and you didn't share hollow needles to inject with which is the only other way to acquire hiv. Analysis of large numbers of infected people over the 40 years of hiv history has proven that people don't get hiv in the way you are worried is a risk.
HIV is a fragile virus in air or saliva and is effectively instantly dead in either air or saliva so the worst that could happen is dead virus rubbed you, and obviously anything which is dead cannot live again so you are good. Blood and cuts would not be relevant in your situation since the hiv has become effectively dead, so you don't have to worry about them to be sure that you are safe.
There is no reason for a person to test when they are safe. The advice took into consideration that the other person might be positive, so move on and enjoy life instead of thinking about this non-event. hiv prevention is straightforward since there are only 3 ways you can become infected, so next time you wonder if you had a risk, ask yourself this QUESTION. "Did I do any of the 3?" Then after you say "No, I didn't" you will know that it's time to move on back to your happy life.
No one got hiv from what you did during 40 years of hiv history and no one will get it in the next 40 years of your life either. You can do what you did any time and be safe.
"I've read many posts about hangnails and scabs." If you mean you read many posts here then seek therapy for hiv obsession, since you should know by now that there is only one non-sexual risk for hiv (shared hollow needles to inject with) and there is no needle involved with a scab and hangnail.
I've read many posts about hangnails and scabs, but there doesn't seem to have the situation of hangnails or scabs contracting directly with fresh hiv+ blood. So I made this post. Never intend to bother anyone here.