Everyone who participates in the hobby should decide on their boundaries. There's no right and wrong, just a personal decision about levels of risk and comfort. I've seen providers who insist on CHJ, I've seen providers who offered BBFS, and everything in between. (Neither of these are of interest to me, so please don't jump to conclusions.)
Guys asking for BBFS isn't surprising, or evil. In my opinion, it's just either a very high tolerance for risk, or a horny guy ignoring long-term consequences. Really not much different than choosing to smoke or ride a motorcycle without a helmet. You want the pleasure now, damn the consequences. Convince yourself that you'll be one of the lucky ones.
BBBJ, statistically, is far less risky than BBFS. For me, and for the majority of hobbyists, it's within the realm of acceptable risk. It's also far superior to CBJ from a sensation standpoint; I've come to the conclusion that CBJ isn't something I'm willing to pay for. I'd sooner just get FBSM with a HJ ending (although a surprising number of FBSM providers don't have a problem with BBBJ if you're clean, respectful, discreet, and recently showered.)
MrsCarter, I applaud you for knowing your comfort level with risk and sticking to it.