I have a similar situation as well. I have never had a cold sore in my life and then I have this spot that is kinda tender and has a white spot, but that is it, hasnt broken open so far....and I hope it doesnt. I was also wondering what I could do about this and if it was indeed a cold sore, then I saw your post.
I'm sorry I didnt help any but just thought I would repy since the situation is simular