Hi, Lisa. Funny, but you & your post didn't strike ME as crazy...
Here are a couple of other thoughts:
(1) In lupus, bloodwork, including specialized autoantibody tests, may not be positive in the beginning. Erin has posted about this recently, too. I was told that anti-Ro can "mask" ANA results. Plus, lupus can come on slowly, and ditto with photosensitivity. Also, people with "subacute" problems (meaning no major organ involvement) can look a whole lot better than they feel, which can make getting answers harder.
(2) Skin tests, like deep punch biopsy, may strike you as being foolproof, but they aren't. Among the mistakes my various local dermies made: ignored lab's recommendation to do full lupus testing; failed to call for immunofluorescent stain tests in addition to the basic microscopic findings; failed to request that I return for followup & further testing. (FYI, Dr. Daniel Wallace mentions immunofluorescent skin tests in his lupus hardcover, which may be found in most libraries & bookstores.)
(3) A dermatopathologist (= dermatologist who does his own pathology work) may be a really helpful consult.
(4) You could take pics of your rashes. Even if a rash is deemed too old to test, at least a dermie could perhaps get a sense of your rash & tell you exactly what to do if a new rash starts to bloom, as in "Return immediately for further testing!"
At first I got rashes several months after summer or vacation sun exposure. Then I reached a point where I got new rashes quickly, on top of fading ones. At that point, my arms displayed every stage of the SCLE annular rash: papules that hadn't expanded, new tiny circles, medium-sized vivid perfect circles, and fading & irregular-shaped shapes. Textbook stuff, I found out later.
Anyway... let us know how you are faring, OK? Thinking of you & hoping you can make progress on all this, Vee