It could certainly be acid reflux, that caused me pains when breathing in. I figured it was due to the feeling of stomach bloating. If I eat too much, I can get pain like you're describing. it could also be a muscular thing. what you've said about the gravelly voice might also fit. Something is irritated, and is causing you pain. It certainly doesn't sound like anything to worry about. An infection would likely come with a fever, coughing, pretty nasty pain, feelings like weakness and breathlessness.
As for your finger, just keep applying the cream, and it should clear up in a few days. again, don't worry about. If it has not cleared up in a week or so, then you could see a doctor. It's not going to suddenly get a lot worse.