Testing conclusiveness question

Hello, I recently got an HIV antibody blood test, which came back negative. I got the test exactly 19 days after the encounter. My doctor said that the accuracy here is about 95%.  I have read differently, unless antibody tests have become even better. I contacted my doctor a week after the encounter and they suggested I get tested right then. Is my doctor way off on this one? She contradicts everything I have read regarding the antibody test.

[Teak]

What was your possible exposure?

[thecj916]

I was with this girl and i wasn't wearing pants and she was on top of me. I think i went in her for a second, but she denied it. I honestly think I got HIV at that moment, as she seems very sketchy. Shes only 27 and has a handicap placard, can you get that if you have hiv? She stopped talking to me because i kept bugging her about hiv but i think shes hiding it. I just noticed i have a small lymph node swollen on the back of my neck next to my ear. I cant sleep at all im so paranoid..

[Teak]

Had you penetrated her you would have known. Having a handicap placard doesn't have anything to do with HIV.

[thecj916]

Is my doctor off on her statistics?  I mean, everything I've read says that the antibody test is virtually ineffective until 4 weeks to several months have passed.

[Teak]

Had you had an exposure your doctor isn't even close.

[thecj916]

I knew my doctor was a bit off.  Should I get retested immediately?  If there was any penetration, it wouldn't have been all the way in, as I did not feel anything.  Let's say the head penetrated, but that's it.  How likely is it that I would get HIV if the girl has it?  Sorry for all the questions, it's just that I'm very worried and it has honestly ruined my life for over 4 weeks now.  

[Teak]

You never had an exposure.

[thecj916]

I really hope you're right.  Living with the thought that I have an infection that essentially would ensure that I will be dead in 10-15 years is a nightmare.  So what is even considered an exposure?  If someone penetrates even a little, isn't that enough considering your penis is somewhat in her vagina?  I remember reading an article saying that even with full penetration, it's hard to get HIV.  How is that even true?  

[Teak]

Where in the world did you come up that if you were positive you would be dead in 10-15 years? That is the most outrageous claim I've ever heard.

[thecj916]

I guess I'm just being negative. More like 20 years. Correct?

[Teak]

No. I've been positive for 28 years this April and I'm still going strong.

[thecj916]

Wow that's a very long time.  So when you were losing weight, how did it happen?  Did you just urinate a lot which caused a rapid weight loss?  I went from an average of 217lbs just a week ago and I'm now 212lbs.  It's like every little thing I notice freaks me out.

[Teak]

I didn't lose weight nor did I have any symptoms.

[RainLover71]

Everyones immune system will react differently to HIV infection.You can't make estimates like 10 - 15 years.With a healthy lifestyle and ARV therapy you can live a very long time.It is a fact that people are living alot longer now with HIV than in the past.

[Teak]

HIV doesn't cause death it is opportunistic infections in people with AIDS that causes death.