Thanks Teak!
I realize that there are an abundance of "we had unprotected sex, but he didn't ejaculate in me. What is my risk?" questions, but hadn't seen anything about the virus being exposed to air before insertion.
This was actually the closest I could find, and any risk of transmission seems to be dependent on if the fluid had enough time to dry.
http://www.medhelp.org/posts/show/520424
The odds are certainty in my favor, but like most people on this forum, even a low risk is too high!
I blame all this anxiety on the propaganda we've grown up with. Were I to contract HIV today, I'm still much more likely to die in a car accident than of an AIDS related opportunistic disease.