Welcome to the forum.
Heterosexually transmitted HIV remains rare in the US. It is true that HIV rates are higher in African Americans, but as you apparently understand, it doesn't apply to all AAs, and the chance your partner's former partner has HIV undoubtedly is low. Here is a thread that explains this aspect in some detail:
http://www.medhelp.org/posts/show/1261996
You're obviously reacting emotionally to your first sexual experience. That's not entirely surprising or unsual, but the health risks really are trivial. The risk is much higher for chlamydia and other STDs aside from HIV -- although those risks also are low. You are wrong that "all my variables significantly bump up the odds of transmission": they do not.
But since you're so nervous, have an HIV test. You don't say how long it has been, but you can have a valid test 6-8 weeks after exposure; or find a lab that offeres the newly FDA-approved "combo" or "duo" test, which measures both HIV antibody and antigen; that test give virtually 100% reliable results at 4 weeks. You also might speak with your partner about your concerns; perhaps she will agree to be tested at the same time. The window period is brief, so probably her HIV test would be positive if she were in the window period when you had sex with her. But don't lean on her hard; if she is confident she doesn't have HIV, you can also be confident about it.
Feel free to return with a comment to tell me your HIV test results. While you're at it, have a urine test for chlamydia and gonorrhea. You can expect negative results on all of them. But I won't have any further advice until test results are available. Go into the testing with a light heart; it is exceedingly unlikely you caught HIV.
Regards-- HHH, MD