Unfortunately, the answers are yes and yes (as far as i know, cmiiw)
Yes, without visible symptoms she can still pass the virus to you. Now i dont know if after 2 years (after we create our own HPV-antibody to force the virus stay dormant) we can still pass the virus to our sex partner. But obviously, before then, we can still pass the virus EVEN without visible warts.
And yes, it's possible you have those warts (right testicle and thigh) FROM a sexual encounter. I am speaking about this with my own experience. Ever since i got HPV, it always jumped off. Sometimes above the penis, sometimes on the scrotum, sometimes even in the groin/thigh area just like you (although very rarely, mostly on the penis itself)
I forgot to add that she doesn't have any form of visible symptoms. So can she still catch then pass on the virus without showing symptoms of it?