Need an outsiders perspective, as I have spent enough time over-analyzing this myself...

First let me say, I am a 31 year old mother of 3, but every pregnancy has been different, and I'm stumped with my current situation. I always just "knew" though. I think it's too early to "know" anything yet this time, but I just don't feel "right".

I normally have a 22-24 day cycle, and my periods last for 4-5 days. Due to what I KNOW was stress, my last cycle was 31 days. My fiance lives miles away, I hadn't had sex, and knew there was no way i could be pregnant. The stress, and reason I believe I was "late" actually stemmed form an upcoming visit from him, which leads to the next part of my story.

I was actually on day 5 of my period when we first had sex with no contraception whatsoever. We continued to do so for the next 6 days...numerous times. On what would have been day 11 of this cycle (4 days ago), I began to experience some mildly uncomfortable cramping. I thought at the time that I was ovualting, but the cramping has continued off and on since, and I feel a bit bloated, like something isn't quite right. I'm thinking it would be too early to be of significance (probably all in my head ) but I have been urinating frequently and have had a headache today kind of like the ones I get with PMS. I have no other "signs" or "symptoms", but is it too early to tell?

I don't normally track my ovulation cycle, and have no idea what to think with the irregular period I had last month. Is it possible that I would have been ovulating that early, since my cycles are NORMALLY so short, even though I was late to actually begin bleeding? Even if I WASN'T ovulating on day 11, I have read that sperm can live for 3-5 days.

Also, should I take a hpt based on my normal short cycle or wait it out a full 28 days or so? I'm afraid stressing out about it is going to make me late again. Yet, I don't want to take any tests too early.

Any advice, comments, or info would be appreciated.