Wow so much of what you have gone through I have also. I am 23 y/o. I too had a precancer spot on my cervix and had it frozen off. I also started on Plaquenil which I love. I, luckily, have had no ill side effects from it and I have had a lot fewer hive break outs and random airway swelling. I've been on it for about a year now, it took a few months to start noticing the changes. My ANA is also 640 and has been for at least 10 years now. It seems like you're under a lot of stress and this could have triggered a flare. I say most GP's don't know a lot about autoimmune diseases and I say you should stick to going to rheumatologists, the experts. I am also on Mobic for the pain. I have a high pain tolerance and a low tolerance for meds so it works for me. It sounds like you have a high tolerance for meds so you may need something stronger. Just talk to your rheumy, see what he or she recommends. The last two times I've been my doc has also put me on a steroid pack to try to "shock" my immune system to maybe make me feel a little better and to see if my hair would stop falling out in clumps. It worked last time so we'll see if the pack works this time. I also know what you're going through with the medical bills. I have a full time job and had a nice savings but last year I paid over $8000 out of pocket with insurance with two unexpected surgeries. This year I'm up to $2000 so far. I hope you get some answers. To me it does sound like Lupus, or at least something autoimmune. I'm so sorry you're going through this.
Thoughts and prayers always.
I'd rather be hated for who I am, than loved for someone I'm not.