The IgM is unreliable because it quite often misses positive results, and often gives false negatives. There is no way of knowing if yours is a false negative, but you can get an IgG test. This will not tell you if you have it orally or genitally, however. If you get any signs of a blister, you can get that cultured, or if you have any other symptoms, as for a PCR swab. It can detect virus without needing a blister.
So what are you so terrified of? Is it the virus itself and what it may do to your body? Is it the stigma of having to tell someone you have it if you and he don't work out? Are you generally afraid of germs and such, or is it just herpes (and maybe other stds)?
There aren't a lot of studies done on transmission for oral hsv1, so unfortunately, we don't have stats like we do for ghsv2. Oral hsv1 sheds about 9-18% of days (it varies from person to person), but transmission depends on how much of the virus is present, how much friction there is, etc.
Personally, I don't think herpes of any type is enough to leave a good relationship, nor is it a reason to stay in a bad one. With around half of the population having hsv1 already, chances are really good that the next guy you meet will have it, and most don't know they do, so they won't know when to avoid kissing or oral sex, or won't be on suppressive therapy. You are safer with him than you are someone who has it and doesn't know it.
Of course, if you already have it, none of this matters because he can't give you what you already have.
The IgM is an unreliable test and shouldn't be done on adults, to start.
It sounds like what is typed is just an explanation of the test.
Your bf has type 1 herpes. This means that you are only at risk for getting type 1 from him. If he gives you oral and you get genital herpes from that, you have genital herpes type 1, or ghsv1. The number indicates the strain of the virus, not the location. You can have type 1 genitally, and type 2 orally, though ohsv2 is RARE.
You should ask your doctor for a type specific IgG blood test. That will tell you if you already have type 1. If you do, just avoid receiving oral sex when your bf has any oral symptoms, and you'll be fine.
Keep in mind that about half (or more) of the population has hsv1. You likely have kissed someone already who has it (either romantically or platoniclaly, like a family member). No one wants herpes of any type, but it's really common, and it sounds like you may be worried every time you have sex with him. He is ONLY infectious from his mouth, not his genitals, and cleaning after like you are won't do anything to prevent you from getting it. (I'm not sure if that's why you do the cleaning thing or not, but I wanted to mention it in case it is.)
The wipes you use are probably disturbing the delicate balance of good and bad bacteria in your vagina (it's quite common - I can't use them either), which is why you got BV and the fungal infection. If you need to clean after sex, just use a wet washcloth and a gentle soap, like Dove for sensitive skin or Ivory. A wet washcloth alone will do just fine, really.