I don’t see any way to avoid the idea that you got pregnant at an ovulation close to Feb 19th. PlanB can postpone the date of the next period and ovulation but does not seem to have done so in this case.
Hi, I don't think a test is needed, since it doesn't sound like the sex January 24 had anything to do with anything. It's hard to believe you found a conception calculator that said January 28/29 for a due date of November 8 or 12 unless you plugged in the information in the wrong slots. But let's check your work.
You said "When I went to my first ultrasound they told me I was due on November 12." How early was that first ultrasound? (You said your second ultrasound was in your 20th week, but not when your first ultrasound was. ) If it was early, like in your 7th week, I would tend to believe the due date it gave you more than one in your 20th week, since babies can grow at different rates and trying to determine conception from an ultrasound measurement later in the pregnancy is less accurate than earlier in the pregnancy.
But in any case, why would even November 8 make you think you got pregnant on January 24? Have you ever worked out what your due date would have been if you got pregnant from the sex on January 24? (October 16, right?) November 8 is more than three weeks later than that, and November 12 is almost 4 weeks later.
When you say you're worried and "this is why," I hope you don't mean you're worried because in your 20th week they changed your due date by a mere 4 days. They would had to have changed your due date by more like 4 weeks to give the guy on the 24th a chance.