You are making yourself so scared and you aren't even having sex. Just foreplay is making you so freaked out, are you even ready to commit to a sexual lifestyle if you cannot handle the consequence of pregnancy? I myself am worried i'm pregnant right now but i'm engaged and he and I both want to keep it if it comes, and we're ready to deal - and i've never seen him so happy.
Unless you are with someone that is ready like you are, then be very careful. You can get pregnant on any form of birth control, I used the patch! <--- said to be very very safe. I think nature is nature and it will run its course if you are ready or not... My last boyfriend was grossed out if I even talked about getting my period or tampons, is a man like that supposed to have sex, I wonder...
So all in all, I see you aren't very informed, a period, as said, means not pregnant. Bloating and other effects are maximized during a period if you're stressed for some women; it happens to me too.