My question is regarding what I fear might be genital warts and, if so, how I deal with it.
First, I'm a 32 year-old male. I am about as far from promiscuous or sexually active as you can imagine; my last sexual partner was over 3 years ago.
Recently, I've noticed a small, very small, patch of odd-looking skin just above the shaft of my penis that was obscured by pubic hair. It's the same color as the surrounding skin and, honestly, can be, and has been, easily overlooked. It could have been there for weeks or months for all I know. It doesn't hurt. Doesn't itch. No bleeding or oozing. My first thought was "skin tags".. But, as I read the description of them, and saw pictures I realized what I have doesn't seem to fit that description; or at least the one I'd read/seen.
I looked further and found what looks to be very similar to what I have... that cauliflowered appearing cluster of sorta tiny bumps. In addition there are a couple tiny bumps right near that spot on the base of the shaft itself. Again, they don't hurt, they don't itch. The area most affected is barely the size of a dime.
Fearing this might be an outbreak of genital warts and having read up on every site I could find on the topic... I've gotten a bunch of different information, nothing that has answered any of my concerns definitively and am ultimately confused and concerned.
For one, I am in the early stages of a new relationship and it's quite likely - or would have been - that she and I would engage in intercourse in the near future. Not now, though.. not knowing I might have warts. I could not consciously risk passing it on to her.
My first question is... though I know it's very common it's still something that, I fear, might turn her away if not explained properly. That it is highly infectious and that we should avoid sex.. but it's not something to be feared. Not deadly, I'm not diseased and it is treatable, with a vaccine for HDV fairly close to release, as I've read. What might you recommend I say to her to explain the situation in a thorough and reasonable manner so as not to bring about any unwarranted concern? Is there a good online resource you might point to?
Second... I'm in-between jobs currently and have no insurance. I would likely not be able to afford a doctor's visit at this point, unless they were able to work out some kind of payment plan or something.
What measures can I take to help treat this in the meantime? Is there any kind over-the-counter product to help at least get rid of the warts that you would recommend? I've looked into several whom, of course, all strongly recommend themselves. I'd much prefer an objective outside opinion from someone who knows what they're talking about.
And... are there, perhaps, clinics I could go to to see a doctor to have it at least examined and identified either way, for an approachable fee (ie.. couple hundred dollars, tops)?
Thank you so much for your time and advice.