You got a lot of great info here. Don't you have a place out of the city? If you go there, do you feel better? That would possibly be a red flag with the mold.
This is all so hard to figure out. The dust test through mycometrics is actually pretty useful in determining if you have mold in your house. You can order yourself online and it's really simple. So maybe that would be a good starting point? It's cheaper than the urine test and will give you an idea of what is in your environment. I did the ERMI so I could get a full picture, however, you could do just the HERMI and it will just look at the dangerous molds. You can post your results on here or call them and they can help you.
/www.mycometrics.com/index.html