I guess I need to just play it cool. So I totally explain what happened?
I can't see how trying to hide anything won't look extremely suspicious, you don't want to risk escalating this to a full blown investigation.
Just honestly with no tricks?
Yes, do not lie! If you lie and in the off chance this goes to court it won't help your case of they can show you have lied. If you're going to tell, then tell it as it is. The true story is fine, nothing illegal in it.
As in “you started hugging me, so I started making out with you, you were moaning and fingering yourself, I wanted to fvck you but then you didn’t, so I stopped right then and there?”
I couldn't have compiled it better myself, that's perfect! Short and descriptive of all the important elements.
I guess the question is should there be a point where if a girl’s super drunk, I say “no I’m not fvcking her?”
Yes, when she's obviously too drunk to respond or make any resistance. I'd say if she could finger herself she wasn't drunk enough to not respond. She also did respond when your tried progressing to sex, so again clearly conscious enough to say no. The fact that she doesn't remember doesn't mean she was incapable of making decisions.
I've been blackout drunk a few times, asked my friend what I did, apparently I just looked drunk still enjoying the party every time. So you can totally be yourself while drunk, but not remember sh!t the next morning. I'd say it's worse if you didn't remember and she suspects something happened that shouldn't have. My father got into a mess like that a few years ago, he couldn't remember sh!t and some b!tch reported him for sexual assault. I know my father, he's the same kind man even if extremely drunk. He ended up getting like 3 months, which is way less than he could have gotten because the judges were in doubt, he also didn't have to pay her anything which she asked for. That entire thing sucked, he doesn't know what really happened and he was fairly depressed for a long time because of this, probably afraid he did do something bad, not because of punishment but because he has a heart. All they found were skin cells near her pvssy, nothing inside. But it could have ended up there a number of different ways which were non-sexual, like the toilet seat. He could have passed out and SHE could have rubbed his hand down there to frame him for money or something like that. Anyways, it ended fairly well despite this, he has good friends who know him for the man he is and my stepmom is still married to him, nobody believed that b!tch was speaking the truth.
I already asked this question, but is there any chance of me ever Banging her after this?
Easier to answer this after you've had a talk, I wouldn't rule it out. Don't assume the worst, this could be a really small and simple matter. Just have a talk, see where it goes, tell us how it went. Again, don't panic, don't worry, you did nothing wrong. She was conscious enough to not consent to further advances and you conscious enough to respect it.