How long have you had her? How many times has she shed for you since you got her?
Clutter up the 40 gallon. The husbandry tips are worth following. But you can still handle her: just wear a long-sleeve shirt and put on a pair of gardening gloves. Don't let her near your face, obviously. But she can bite gardening gloves all she likes, she can't do any damage.
That will let you take her out and look at her belly, at least. Is it pink or red? Take a picture and post it here if you see redness. If it's in focus with decent lighting, maybe we can tell you if she's going into shed or has a belly burn.
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