MY CASE
Welcome to the STD forum. I'll try to help.
In response to the opening paragraph, before I deal with the specific questions: Basically, you are still a virgin. That means there is almost no chance you acquired genital warts. Oral sex doesn't transmit HPV, as far as is known; hand-genital contact might do it, but is rare; and the brief non-penetrating genital contact probably was too little to carry much risk. To the specific questions:
1) Your information is correct. Warts mostly appear at the exact spots where the virus is massaged into the skin during sex. There are excpetions, and some anal warts can occur by auto-inoculation -- that is, transmission by a person's own fingers. But that requires a genital HPV infection to start, and for the reasons above, it is unlikely you have that either. In other words, the fact that your anal area was not exposed sexually makes it very unlikely you could have anal warts. And as you wer told by auntjessie on the STD community forum, a single bump near the anus is not likely to be a wart anyway.
2) Hand-genital contact probably transmits the occasional HPV infection. But it is not proven. All we know is that once in a while, patients present with genital HPV infections and say they have not had genital sex, but have had hand-genital contact. But it's also possible that some genital HPV infections are not sexually acquired at all. If hand-genital exposure results in some HPV infections, it is a rare event.
Your mistake here is to assume the worst, that your anal bump was a wart, and then never see a health care provider to check it out. If the bump is still there, go to a provider now. If it is gone, just forget the whole thing.
You made a very appropriate comment on the community forum, in asking why there is such stigma about genital warts. You seemed to be saying that people make too big a deal about warts. You were exactly right. But at the same time, that is exactly how you seem to be reacting to the possibility it might have happened to you.
Bottom lines (no pun intended): Based on your risk history, it is extremely unlikely your anal bump was a wart. If it was, what's the big deal? It's only a minor inconvenience, not an important health threat. See a provider if the bump is still there. Otherwise, please just forget the whole thing. This has been taking far more of your time and emotional energy than it deserves.
Regards-- HHH, MD