I think its harder for a man to get HIV from a woman --- than it is a woman to get it from a man. Men usually get it from anal sex with other men. Though its not unheard of, i think the chances are slim, even with penetration.
I would be more worried about putting your fingers in her wet vagina... if you have a hangnail or a papercut or something, the virus could enter your body that way.
It can also be transmitted orally. Mouth sores - when kissing.
And the 3 month window period sucks. I know. I went thru THREE hiv tests (cuz i wanted to be absolutely sure i did not have it) and ALL of them were a horrible wait.