Let me preface this by saying this isn't a reassurance seeking post, I just want to know how to not spiral here.

On Thursday my mom shared a car with someone who had covid(obviously they didn't know it at the time), and neither of them were wearing masks. She got a test yesterday, and it came back negative today, however I was reading that the likelihood of false negatives 5 days after exposure is potentially as high as 70%, and the person with whom my mom shared the car also tested negative a few days ago. Also, they've since developed symptoms, so they were presymptomatic, which I hear is when carriers are their most contagious. If my mom has it, then it's almost a certainty I do too. Besides the fact that we are living in the same tiny apartment, I'm pretty sure I used her mask on Sunday. As far as we can tell, neither of us have any symptoms(obviously I feel some shortness of breath given the anxiety), but it's been 5-6 days since exposure for my mom and possibly less than that for me, so that's not unusual.

Anyways, to get on to the meat of issue, I am obviously freaking tf out. I've had really bad hypochondria for years now, so this is like my worst nightmare. All the 'comforting' things I read say stuff like how it's just a bad flu, but the 2017-2018 flu season nearly gave me a break down, and the following one wasn't much better. I know my survival odds are superb, but I just don't want to be that sick in general. I read the comfort thread on r/anxiety but it was just filled with people describing being sicker than I've pretty much ever been. I've never had the flu, and besides from appendicitis, I've never been anywhere near that sick, I've gotten panic attacks over a 95.5 fever. Also, if I really think I'm doing too poorly, I can't really just pop over to hospital, firstly because I can't handle the debt that could put me in, and secondly because my area is getting hit badly so I would have to be on death's door for them to admit a 19 year old.

I guess what I'm asking is, how do I not freak out while waiting on some more tests, and if the worst is true, how do I possibly weather that storm?