Sd2018 in answer to some of your questions
1) she does have risks to contract hsv2 from you just as my husband did
2) using antivirals doesn’t mean you are eliminating the risk of passing it on they just helpsurpress it and also speed up the blisters going when you do have a break out. The best way is condoms all the time but if you don’t want to do that (totally understand) you monitor and watch carefully for signs you have a outbreak coming like tingles etc and don’t have sex during that time. I don’t used antivirals, only when an outbreak but now I don’t even for that I use herbal things to make the outbreak go quicker and I try and ride it out.
3- definitely could still infect her if you have sex during an outbreak - worse time to have sex. Covering it doesn’t mean she won’t get it as sometimes it’s in other areas without a promonant blister while you have one you think is the o my one and you are covering it. There’s a thing called shedding when you can get it without blisters, look into it
4) just the lower torso so region
My husband got it from me but just because we now both have it doesn’t mean we have sex when either of us has an outbreak because it’s uncomfortable and just means we start the others flare up again and that’s pretty rubbish. So we wait until it’s done (my husband uses antivirals ) and then we get to it lol.