All valid points. The more bare that's happening. The higher potential for disease to be passed. We ALL assume the risk. Hell, condoms break, slip off, et al.
If a guy believes that a girl NEVER does bare with ANYONE, he's fooling himself. In the single dating scene, men and women are having unprotected sex while ASSUMING the other is clean, on the first date or after a handful of dates. And many providers are single and dating IRL, with the hobby being on their darkside.
If you choose to go bare with X-girl and she is ok with it, so be it. If you choose not to go bare with Y-girl, so be it. I'm not judging anyone for anything. Like I've said before, we all make that decision in that moment.
Have a great Sunday folks!