6 Days Late, Negative Tests, Other Symptoms, I think?

Today my cycle is 6 days late (was supposed to be here last Thursday (11/10/2011). I have had no spotting, or bleeding of any kind. I have had a white/clear/milky discharge (doesn't smell, so it's not an infection) that started Monday and still have it today. I've had a dull headache since Monday as well. I've been tired, or exhausted easily. I couldn't sleep last night, and starting Sunday night I would wake up because I became too hot (although my husband has been cold). Yesterday I started to get overheated just sitting at my desk, and then driving home (it's been low 30's outside) I felt like I was on fire. My husband felt my face and said the same thing. Monday I also had cramps that I usually get when my period starts, but whenever I would go check, nothing there, but that discharge. Yesterday I had a bloated feeling also.

Now...I took a First Response test last night when I got home, and then again this morning (first pee) and both were negative. I don't know what's going on...could it be that I had implantation cramps on Monday, or that I'm so early in a pregnancy (like a week?) that the HCG hormone isn't showing up in my urine yet?

My husband and I had protected sex on October 20th, which was right in the middle of my ovulation cycle (so I don't think this time was the culprit), a few more times between then and November 1st as well. But November 1st, we had unprotected 'foreplay'. He ejaculated on the outside of me down there, but I wiped and tried to clean it up, then we had protected sex. I know that it's very VERY possible I could have become pregnant off of this.

Next week I'll be taking another HPT, and if it's still negative, and I still don't have my period, I'm going to the doctor. Any thoughts? Am I pregnant?