Am I pregnant or just late?

I have a 2 year old and a 7 month old. Since my periods resumed after my baby, I have started on the 13th of each month and I have had killer cramps each time. My husband and I had unprotected spontaneous on the 30th of July, but he pulled out. Not reliable, I know. 2 days later, I wiped and there was a tinge of blood, and that has only happened once before, when I was pregnant with my first. We decided last week we didn't want anymore kids. And even scheduled a vasectomy. Now I am two days late, and having no period cramps at all. I am gy, urinating often, extremely horny, and very tired and irritable. We are getting a test tonight, but I wanted some opinions to help me get at ease tonight. What do you think?