Answers below:
1. Condoms provide approx. 50% protection against being infected with HPV because it doesn't cover the base of the penis, the scrotum, pubic area, thighs, buttocks, etc. The absence of genital warts does not mean infection doesn't occur, it just means that it is less likely to occur, The presence of warts means you have have a higher possibility of being infected by someone who has visible warts. She needs to stop having sex with clients and get those warts removed. No one knows if you got infected from that one time event but the chances are low because it was one time but higher because she had visible warts. Average time to show warts are 2-8 months after the encounter.
2. Yes, infection can occur without visible warts. Clearance just means that your body successfully fought the virus and made someone not infectious at that time. No one can say that someone may not become infectious years or decades from now, even if that person never has sex again,
3. Yearly testing for all STDs is always recommended. Some people get tested every six months if they have multiple partners. Do realize that there is no HPV test for men. Herpes blood tests have to be 8 weeks or 12 weeks after the encounter else the results are meaningless. 8 weeks is the minimum and 12 weeks is the gold standard time frame where you can trust the results to be accurate.
Low risk HPV is just a cosmetic issue. It is a very common STD. for people who are sexually active (4 or more sex partners in your entire life). Sleeping with a CSW who have slept with many partners is high risk. Being monogamous is the best thing you can do to limit your risks. There is no such thing as safe sex. What you had was safer sex but not totally safe,