Cramp directly below ribs calves and numb fingers help!

Can anyone help?
I am 36 yrs old female and have a 3 yr old daughter and 22 month old daughter. I have always been pretty healthy, have only been in hospital at 9 yrs for tonsilitis and concussion from a fall from a horse. I have low blood pressure (always have) I am a little overweight since the birth of 2nd daughter, I have recently had a test too see how much oxygen is carried around my blood stream (a clip put on my middle finger not sure what this is called) and I scored 99 apparantly excellent.
I have worked and owned horses since I was 14 yrs and therefore been quite fit. I was told during both pregnancies that I had very strong abdominal muscles. I have had a diabetes test in the last 12 months, no problem there. I do smoke and have done since I was 14 yrs, however have gone from 20 regular cigarettes a day to 10-15 very thin roll ups with filter a day and don't smoke the whole thing. (obviously not good for my health) I don't drink alcohol and I eat wholemeal/grain foods and try to eat as healthily as possible within our low shopping budget fruit fish veg chicken occasionally red meat.
I did work in Germany with horses in an indoor american barn in 1992 the horses where bedded on sawdust, as opposed to wood shavings, so every morning horse blankets where coated in a layer of dust and the atmosphere dusty, I would get a sore throat quite frequently and my lungs have always felt a little heavier since.
I can walk reasonable distances but if up hill get easily out of breath, I am nowhere near as fit as I was before childrenas I am not doing the same excercise.
I also worked for a few months at a stables in Australia, where we would have to use very heavy shovels to dig sawdust into a wheelbarrow, I would find that I could not feel my hands at all in the morning, would have too rub them together to get feeling back. Then several years later had carpal tunnel syndrome during My first pregnancy, which seemed to disappear after the birth, then a year later pregnant with my second daughter I found at about 5 months when decorating a bedroom I bent down and got a sudden terribly painful cramp definately cramp not a stitch immediately below my right rib it quickly subsided, however it seems to happen from time to time since then, usually if I bend awkwardly sometimes it seems to spread from directly between the ribs it will leave a painful hard lump that I can feel for some time and can be tender in that area for a couple of weeks. It hasn't happened for a while as I know what position triggers it so I have subconsiously made a note not to do anything to trigger it, but occasionally I have suddenly bent forward to stop one of the girls falling or something and off it goes again. When I was carrying my second daughter she did often seem to get a limb or something, right up under that rib and seem to snag if I bent down. Since then I have been getting cramps in my calves during the night and morning and numb fingers almost every morning but thumb and index finger generally okay. I and my girls have had colds and coughs and sinus problems all winter with little respite, apparantly common in the UK this year for some reason. However it seems to nme just as I think my cold is getting better it suddenly gets worse again I have pain in my chest muscles from coughing and pain more in the left and around the left of my back. No cramps as yet. Sorry this has been so detailed, I have only mentioned the cold incase it is relevent. I forgot to mention, when I went to the doctor 6 months ago for the second time about the cramps, he feltnothing below my ribs, listened to my lungssaid weren't but got me to breath rapidly, making me dizzy and could feel the cramp threatening to come on particularly through my back and shoulder. I had to breath quickly into an item (tube shape) and he told me was fine. Please please any idea what is causing this I was told that pregnancy pushes everything about and can affect the organs and ribs(had very occasional Sharp pain in middle of chest below sternum between ribs on breathing I think, like a needle type pain) I feel like the whole area below my ribs is bigger and assume it is excess weight fat. I am 12 stone not sure what weight is in the US.
Any Ideas?
many thanks
Lexy