Hi,
The scenario you describe with fingering the vagina is not a risk for HIV. There is not risk of contracting HIV from fingering, and fingering an HIV-positive person daily does not increase the risk. There is no risk.
We would not recommend testing for HIV based on that scenario.
In order for HIV to be transmitted you must have blood or sexual fluids enter inside the body. In the case of fingering, that would be a cut or sore on your fingers (which you said you didn’t have). Cutting nails earlier in the day is not a risk for HIV.
Regarding your question about skin on penis being more susceptible to HIV… The risk of HIV does not have to do with the skin, but with the opening in the skin. On the penis, the urethra (or pee hole) creates an opening in the body. If blood or sexual fluids enter through the urethra that can be a risk for HIV. On the fingers there is no openings.
Fingering a vagina is not a risk for Hep B. In order for Hep B to be transmitted there must be blood or sexual fluids which enter the body. If you don’t have any cuts or sores on the fingers there is no risk for Hep B.
Regarding visiting massage parlours and avoiding HIV: The safest way to avoid HIV is to wear condoms during any penetrative sex (ie. penis in vagina or penis in anus). Giving and receiving oral is very low risk for HIV, and does not require protection to avoid HIV.
Massage and touching, hand job, fingering, and genital-to-genital rubbing are not risks for HIV. We do not see HIV transmitted through those activities. However, there are other STIs which can be passed that way: Herpes, HPV, Syphilis.
HIV is passed through blood and sexual fluids. Other STIs (herpes, HPV, Syphilis) can be passed through genital-to-genital rubbing (without blood or sexual fluids present).
Hope this helps.
Health Nurse