First, with respect to 'What was I thinking!!': People have sex during menstruation all the time. Any increased risk in HIV or other STDs is too little to worry about.
I agree 100% with your doctor. Your symptoms came on too late to be due to HIV, and they sound like a garden variety virus. Sure some of your symptoms are similar to those of ARS, but you can say the same thing about 80% of all infectious diseases. That is why symptoms simply never are a valid indicator, by themselves, of new HIV infection--especially in the virtually zero-risk situation you describe. And most of your symptoms are not suggestive of HIV, especially the cough.
Have an HIV test for reassurance. You can count on a negative result. And otherwise follow your provider's advice.
Good luck-- HHH, MD
For future reference....symptoms such as mine past the 4-5 week mark after an encounter would be too late for HIV? Is that correct?
I already answered your question about timing of symptoms.