If you missed my last post, I have been under tons of stress lately because BF and I are buying a house plus I started on nights at my new job. I was only charting haphazardly and not getting much sleep but I noticed that my temps after AF were a bit on the high side for pre-O temps and I had some spotting on CD 13/14. I really didn't think I'd O until at least CD17 or later (17 is the norm for me, but I've been under stress, so I thought it might delay O). So when I started spotting, I was sure it was AF coming and I was having a freaky short/anovulatory cycle because the spottig was EXACTLY like my 2-days-before-AF spotting.
Well the spotting only lasted 1 1/2 days and I got looking and 6 days earlier (CD7), I'd had a temp dip and we'd BD'd the day before that (CD6). So I'm thinking I might have possibly O'd on CD7 (even though all my CM doesn't exactly agree with that).
Also, had another big dip at what would be 9 & 10 DPO accompanied by severe cramps. I typically have some cramping in the 2ww, but even at the worst, it doesn't compare to my 1st-day-of-AF cramping. This cramping, however was every bit as bad; I ached from my belly button down to my knees. I kept running to the bathroom that night expecting to find AF in full force, but all I had was tons and tons of creamy CM.
Then on CD11, my temp shot back up and overall I feel differently than I have in past cycles (this chart also looks completely different than my past charts). I feel really bloated. Not like gassy bloated, but more like I have a full bladder bloated except I don't have to pee.
Also, my cervix feels kind of different. Typically, it stays hard until a few days before AF but it's been kind of medium/soft for the past 5 days and fairly high. And pretty much the only time it's closed (and I can tell for sure that it's fully closed) is when it's hard. But lately it's been feeling kind of medium open, but it almost seems like it's actually closed, but just feels kind of medium simply because it's softer than I'm used to (does that make any sense? kind of like it's softer and puffier so the opening feels bigger than it really is.)
Anyway, I've taken a few HPT's - IC at 9dpo, FRER at 10dpo, CBE digital (it was all I had left besides another IC which I don't trust) at 12dpo (yesterday - but it I'd just drank a bottle of water about 45 min earlier) and all were neg. I bought a 2 pack of answers this morning, though. AF is due on Monday which means if it's going to come I should start spotting sometime tomorrow.
So when do you think I should test? Obviously, I'm impatient and don't just want to wait it out until Monday.

My current HPT stock includes 1 IC (from what I've read, this particular brand isn't very sensitive at all), 1 CBE digital (want to save it for when I tell BF simply so he can see the word "pregnant"), and 2 Answers.