If the fluid was at the tip, the urethra, does that impact my risks? I read elsewhere that this might not be a risk, but nano seconds passed from her fluids going from her to me... Thanks for any answers.
Getting fluids rubbed on you, no matter WHERE on your body they were rubbed, is no risk for HIV. HIV is only transmitted inside the body, not outside, as HIV is rendered unable to infect after being exposed to the air.
Risks for HIV are:
1) having unprotected, penetrative vaginal or anal sex, or
2) sharing IV drug needles with other IV drug users.