I'm sorry to hear that you're feeling this way- I can imagine it's hard to focus on what you need to and take care of yourself. I hear what you're saying about hesitating to get a pregnancy test for fear of a positive result; I know that anxiety doesn't always follow logical trains of thought, but you're right: even if you were to get a positive result (which is highly, highly unlikely - you can double check the Pregnancy Panic Companion
for reassurance), the sooner you know the sooner you'd be able to make a plan and move forward. If that's your worst case scenario, it'd be a lot better to find that out sooner rather than later.
Keeping yourself stuck in this limbo is likely not going to make you feel better - the anxiety and doubt will probably persist until something changes (i.e, you take a pregnancy test or
decide to accept that you're not pregnant and instead focus on the dysmorphia aspect).
I know you said that you haven't been able to be in therapy recently because of costs (I know that life, and it's the worst), but it seems like it was helpful before. What tools or techniques did you and your previous therapist talk about for dealing with anxious and/or persistent thoughts when they came up? Has anything helped in the past?