Contraction Risk Question

Hi there, 1st of all I am sorry I am posting in English as I find it hard typing in Hebrew, However you may respond in Hebrew as I fully understand AND read Hebrew, it is only the Hebrew Typing I got difficultie with 2nd of all I want to thank you for a lovely forum. I got a question I was hoping you could answer me. I was reading AND I was told by two different sources on the same issue, however i got contradicting answers about it AND I don't know which seems more right to you. the situation is the following: NOTE: the case/situation is theoretically AND didn't really happened it is more out of curiosity AND general knowledge. As you know the rule of thumb is that Antibody HIV tests are best carried out after 3 months of potential exposure due to the nature of the test/body developing the amount of antibody in order seeing them on the test, I don't want to talk about Antigen tests which could be done earlier, I want to assume that the 3 months minimum test is all we got. 1) I am a Male, age 32, having an unprotected sex with a female that has the HIV Virus "SubType E" in her body, but less then the detection period (up to 3 months), i.e. she contracted the Virus two about months ago however the antibody tests couldn't detect it yet. 2) I am a Male, age 32, having an unprotected sex with a female that has the HIV Virus "SubType E" in her body, over the detection period, with treatment OR without treatments AND it's detectable. I got two contradicting claims on the risk on contracting the virus: 1) the first source claims that a female that has the HIV virus in her body below the detection period is more contagious as apposed to the female that has it over the detection period with OR without treatment. 2) the other source claimed exactly the opposite, a female that is below the detection period is far less contagious as her HIV count in her blood/mucus/etc is still very low compared to the other as she just got it AND it replicates with time. my Question is simple, what claim in your opinion is more accurate? is it true that these first 3 months are when the HIV carrier is most contagious?