Extremely anxious about pregnancy

I’m extremely anxious and I really need some perspective because I’ve been spiraling about this nonstop.

On August 30, I had outercourse with my boyfriend. There was no penetration at any point. We did a lot of genital rubbing, including his penis between my thighs and around my vaginal entrance. There was pre-cum involved, but he did not ejaculate on me or inside my vagina.
Something similar happened on July 25. Again, there was no penetration. I took Plan B afterward because I was terrified about pregnancy. I got my period 2 weeks later on Aug 9th.
This month my period still hasn’t come, and I’m currently on cycle day 34, which is making me panic because my cycles are usually around 29–33 days. I’ve also been having cramps that feel like my period is coming, but still no bleeding.
I know people online say that pregnancy from genital rubbing is extremely unlikely, while others say there is technically a possibility if pre-cum gets near the vaginal opening, i even read stories of people who actually got pregnant that way, doctors say it’s possible.

I’m checking my underwear constantly and searching Reddit/TikTok/Google for stories from people in similar situations. I’ve basically spent days doing this, and it’s affecting my ability to eat, sleep, and function normally.

I come from a very conservative family, so the possibility of pregnancy is absolutely terrifying to me. I don’t feel able to tell my parents. I’m also scared that if it ever happens if I tell my boyfriend, he might not believe me because he strongly believes pregnancy can’t happen without penetration. Abortion is not an option either so what will i do then, i wouldn’t be able to tell no one my parents if they find out they’ll literally have a heart attack or something, i’m gonna be left alone just thinking about this scenario hurts i’d rather die tbh.

I know that ultimately a pregnancy test is what can give me an answer but it’s still early because it’s only been 12 days since the encounter but I’m terrified of seeing a positive result, and I’m struggling with the waiting period.
For people who understand the medical side of this: how risky is pregnancy from what I described outercourse/genital rubbing, no penetration, and no ejaculation? And can stress or anxiety cause a period to be this late?

Please be kind. I’m genuinely very frightened right now.