no reputable tattoo artist will tattoo hands or necks
Where on Earth did you hear that?? Of course reputable artists tattoo hands and necks!
But yes, they will be more choosy about it, OP. Because many people are so judgmental about hand/neck/face tattoos, good artists do not want to do them on people unless they already have a lot of work done (sleeves, etc.) because then the person is more likely to be aware of and prepared for potential reactions.
If you look for an artist "with no scruples" about doing a hand tattoo, then they will likely have no scruples about good quality, good hygiene, etc. either. Which isn't really a good thing, is it?
That said, I think you will easily be able find a competent artist who would be willing to do a small hand tattoo if you explain your circumstances to them. Hand tattoos ARE becoming more common nowadays and if you're middle-aged with an established career where it will make no difference, it's probably fine, whether you're already covered or not.
The best artists probably would refuse, but it doesn't sound like you care about finding the best artist anyway, tbh.