Congrats on having protected sex. The cut on your finger making contact with vaginal fluids or genitals does not warrant HIV concern. HIV does not survive in open air. Fingering, mutual masturbation etc.. Are not HIV risks
We can't tell you why other forums offer incorrect information, or state that something is a risk when it is only a theoretical risk - meaning, yes, maybe it COULD happen, but it never HAS happened.
In this forum, we adhere to the position that in adults, HIV is ONLY transmitted by:
1) having unprotected, penetrative vaginal or anal sex, or
2) sharing IV drug needles with other IV drug users.
If you do not do either of those things, you will never have to worry about HIV.
This is an HIV forum only. We cannot tell you about the sex worker's ability to orgasm.