Re: Paranoia and too many different answers
You should find the Herpes Handbook for the answers. It is by Terri Warren and available on the Internet.
If you touch a cold sore and then touch your genitals, you definately cannot get type 2 since cold sores are type 1. It is unlikely that you would spread the virus to different parts of your body unless it is the initial infection and your body had not build up antibodies yet. The virus need warm moist areas to spread so your finger is not likely to carry the virus. They say many children have oral type 1 (from kissing relatives), put their fingers in their mouths and touch their genitals and they don't seem to get genital herpes.
You're right, genital type 1 is usually mild with infrequent outbreaks but the first outbreak can be terrible. It also doesn't spread easily to another person's genitals.
If your girlfriend is paranoid that she gave herself genital herpes, she should not be. Unless she has red patch and itching or pain, she is probably OK. A blood test would not help since she has oral herpes and a positive result does not tell where the virus is. If she has type 1 genitally, she would need an actual outbreak which can be swabbed. It is, as I said before rare for a person to have same virus in more than one location unless it was the initial exposure or they have a weakness in their immune system.
As for your sex life with her, your biggest concern would be getting oral herpes from kissing her mouth. You may already have it though since the majority of people do have it and don't know it. Test yourself and it you both have type 1, you don't have to worry about it.