Should I test?

I don’t want to test too early because I’m scared testing would make the disappointment worse... but how late is late enough to have a reasonable likelihood of pregnancy??? We did have sex during my predicted fertile window, but my cycle length varies so it’s hard to know exactly when I’m most fertile. My average cycle is 34 days, today is day 38. My longest ever so far was 36 days, which has happened three times in the past year. Is 38 days late enough to warrant testing, or is it just normal fluctuation? 😭😭😭