Your assessment of your risk is right on target. Ther is little if any risk to you from protected sex with anyone, including a CSW. As for the sex toy, once again there is very, very little risk when the toys are used in the fashion you describe. HIV is not a very "hardy" virus and thus the exposure to air during the interval between your use and whenever it was used previously, as well as cleaning would eliminate any HIV which might have (but probably weren't) on it from prior use.
Hope this helps. EWH
Thanks much for your prompt reply - last follow up: would testing be indicated for this type of exposure?
Periodic testing as screening for HIV, as well as STD is always a good idea for person who have had multiple or new partners. There is nothing abotu this particular expsoure whic puts you at high risk. EWH