Warts do not transfer from gingers to genitals, so that's one thing you don't need to worry about. (If they did, we would all get warts down below and everywhere else just from taking a shower.)
Warts under the nail are so hard to get rid of that it's often better just to wait them out. It may take years, but they do eventually go away. Given what's been tried already in your case, I think you're better off leaving the warts alone. The one possible suggestion I can think of is a cream called Aldara, which is new. It doesn't work all the time by any means, but it's not irritating when used on thick-skinned areas like the fingers, and if used 5 times a week for 6-12 weeks may work. Worth a try, I think. If it doesn't work, I'd wait.
Take care.
Dr. Rockoff