I'd answer with a non answer: this is way too much thought put into how you use your towels. Just clean yourself properly before drying out your hands, wash your towels regularly, and you're good lol

When I shower, my hands get dry with the rest of my body using the body towel. My hand towel is a separate smaller towel by my sink that I use after eliminating waste and subsequently washing my hands.

I don't go as extreme as OP. I have 3 towel types: large body towel that I use to dry my entire face/hair/hands/body after bathing. Smaller hand towel by the sink for drying hands/face after using the sink. And finally a separate medium-sized hair towel to wrap my long hair for further drying after I've already got most of the water off with my body towel. I'll wear that towel for 5-10 minutes after bathing. That towel isn't necessary for short hair.