Its not ringworm. Its not HPV. Its not warts. Its not going to kill you or cause more harm/anxiety.
This is a good discussion. Anytime you can bring up the topics in an educational and professional manner, you have done well. Discussing this topic is much better than hiding it under a bush and not being open and honest about it. Bravo for the guts its takes to put pictures of yourself like that on the 'net.