Wow she touched your urethra?! Unbelievable. (That didn't happen by the way).
You were at NO RISK For ALL major STDs from what you describe. As for HIV I would say you were at ZERO or NO risk for it.
I would recommend taking doctor's advice, however I would not recommend getting tested.
As for your symptoms.... well if I look hard enough I could probably find a bump or two similar to a bump/rash.. and if I pull out my magnifying glass, I could find maybe 12 or more little tiny bumps, that were always there.
Relax about this and go home. If you are home, then celebrate because you had protected oral sex.
I forgot to mention that i also fingered one of them slightly for a few seconds and she was quite wet and there were no cuts of scratches that i noticed on my hand... Do not remember seeing blood wht so ever during the entire act! Do i have any risk of STDs from this exposure...