I'd almost forgotten this picture until your comment reminded me, as its from when Winnie was so little. I hope it really is because she feels so safe!
Winnie and Ophelia are litter mates that were born as outside community cats that I brought home for me and my roommate. Winnie (the pointed classic tabby) is mine, and Ophelia (the charcoal kitty) is my roommate's.
They've lived and played and slept together all their lives, but my roommate...
The only ringworm I've seen has been on a human, and I don't remember it being flaky like that. Of course there are any number of things it could be, from dry skin and irritation to fungal issues, but I would try to remain calm (I know that can be hard!) and wait for your trusty vet. The kitties...