Thanks for the detailed answer Ishmael,
Yes, she told me just before having vaginal sex, but we were already naked and doing things - orals, rubbing each other genitals, and when I start running my genital against hers she then told me. I wish she had told me a bit sooner, but I can see being a hard talk.
I didn't knew it was such a clear cut. I guess the best course of action is to see another doctor for a 2nd opinion like you advise. I wish she didn't lie to me, I can see that being a bigger deal breaker for me than hsv-2 without antivirals itself.