MunchingZombie, I think I understand the get a gal pregnant aspect. Actually children are by far the most common high-cost side-effect of unprotected sex. I'm in for about $160,000 in expenses so far - that estimate is on the light side. Plus an easy $200,000 over the next ten years is likely.
Readheadguy, you mention 'safer' sex - so are you still doing things like oral without condoms? Would oral without condoms not fit into your idea of complacency?
Yes you can get diseases from coming into contact with another human - especially if there are fluids transmitted. But being selective about who you hop in the sack with is far more useful than condoms - and really useful with condoms. Two people who have no diseases have a much smaller chance of giving each other something - condoms or not - than two people where one has a disease and they are using condoms for protection.
I'd suggest that picking up a hot guy in a bar and giving him a bj that night is far more risky than dating a guy you meet outside a bar or club, observing that he's more into work, his house, sports and hanging out with friends than cock hunting, seeing that he's got a good job, pays his bills, doesn't do drugs or go our drinkin and carousing - i.e. you vett him for sanity and responsibility. The second guy is going to be a safer bet for clean bill of health.