FWIW, as often, I think a "middle of the road" approach is the most probable. It's certainly something to raise concern, but I believe the danger is not as dire as TJTimes suggests. My medical training and research leads me to the following opnions (only that):
1) Get checked. Why WOULDN'T you? Besides the fact that it will likely provide some piece of mind, if it doesn't, you want to begin treatment ASAP.
2) Of course, don't "COUNT" on a health card (but it does provide a modicum of re-assurance!), but that process, however flawed, is better than not having one.
3) The likelihood of receiving HIV from the encounter you related is very remote. (Yes, I know it's possible, just unlikely.) The POSSIBILIY of contracting something else really bad, like Hep C is much higher than HIV; but still quite low. From there, the possibilities of getting diseases with less dire consequences (gonorrhea, crabs, etc.) are higher, but not much.
4) Having said all that, with the stakes so high, the low likelihood of transmissions in those circumstances had better not make us relax our precautions. Or else.
5) We assume from the story no open sores in or around your genitalia. This is good, as their presence would dramatically increase the chances of getting SOMETHING.
6) Washing immediately is good. Ejaculation after exposure helps, but a good LONG piss would dramatically decrease the odds of transmission even more. It may be a little "over the edge", but I always make sure I've drunk enough of something to make sure that I have to piss a lot after we get done, REGARDLESS of condom integrity.
7) Most of the girls in Adelitas or Chicago (and, although somewhat less, in the other "houses) are really pretty clean. Those few who can be talked or coerced into unprotected encounters (of almost any kind) would be quite a bit more suspect.
8) Female to male transmission, thought definitely well documented, is MUCH more difficult than male to female transmission, when it comes to HIV.
9) The longer the unprotected contact, the higher the risk. If one breaks, stop, wash, pee, put on another one and finish the job! Don't just assumethe damage is done and continue.
10) If you wanted to (only slightly) increase your protection, a barrier lube underneath the condom MIGHT help a little (and many of us think lube underneath increases the sensation and feeling!)
I'm sure someone with an attitude and excessive hostility will flame me about something in this; but I DO believe it all to be factually based and hope it may help.
Hawk