Mrs. D., My impression of what Rach said is that she has lines running across the nail, as in side to side and not up and down. Vertical is also called longitudinal bands. Horizontal are what Beau's lines are, running across the nail from side to side, not from tip of nail to the nail bed. Phew. Glad that's clarified.
I think a little consideration is needed when a person has sleep deprivation and major stress! I am not running on all cylinders but you guys get the drift anyway.
Bottom line is that those splinter hemorrhages aren't normal and, like you said, you haven't been hitting your hands on things!
That pain you've been having is suspicious now too. If they simply "guessed" it was your gall bladder instead of doing a scan, maybe it's referred pain from either your kidneys or heart.