Late AF and too scared to test

Da

Hi all, looking for so guidance. I’m 5 days late and officially past my longest cycle length. My bbt has been all over the place though so I can’t tell when I ovulated or really what is going on. I tested at 1 day late and got a -ve. Part of me is convinced I just ovulated late or that there is something wrong with me and AF will appear but with every day a little more hope grows. I’m so scared of seeing another negative. When do you think would be safe to test and know you should get a positive rather than the limbo land of “not enough hcg”???

Update: still a -ve 😢 but still no AF so going to have to hold out either way I guess