It's perfectly normal to manage your risk, and reasonable fear is right and proper. No "God" isn't going to strike you down for liking dick, but, you could get electrocuted if you work on a power line and make a simple mistake.
We all deal with risk daily, from eating fast food, to speeding in a car, to jumping out of airplanes, or taking meds, to having sex with strangers. How we apply sound judgment to those risks is what's important. Whether, or not, we think clearly is what's important.
E.g. smoking is, by any scientific measure, very dangerous and has very high risk. Should we do it? Of course not. But, folks choose to ignore that science, and informed risk, and we have a health care system busting at the seams as the result. Is fast foot deadly? Absolutely. Obesity kills more than other behavior and now 49%, that's right, 49% of all folks by 2010 will have a chronic disease. That's breaking our health care systems, and causing and a huge amount of pain suffering, and expenditure. Yet, folks get fat, eat fast food. Apparently, they don't have the will, discipline, or responsibility to protect and care for themselves. Fat asses are a classic example of ongoing, repeated, self-destructive behavior despite informed risks.
As a society, we've leaned towards a feeling that the risk won't effect us, and we should live in the moment, but, that behavior has far-reaching results.
There's a fine line between unreasonable fear, and managed risk.
I've had very few sex partners, by choice. I don't want the risk. I don't want the drama. I don't want to be a burden on others.
In general, I'm risk adverse, but, some folks like looking danger in the face (they lack the receptors reasonable folks do), and their brain is wired differently. That's all fine and dandy, but, often, very irresponsible, and very dangerous. If you play with fire long enough, sooner, or later, you'll get burned.
Sex for recreation, as you speak of it, "hooking up", can give you surprises that you'll have to live for with life. Understand, the hooking up game is about disposable people, including you. You can get any of a number of disease, ripped off, stalked, put in the middle of drama, etc. You're just a fuck / hole. It you're o.k. with that, then, "live life."
As we grow older, the judgment centers in our brain mature (at around 30), and we generally use better judgment and become more responsible to society and risk adverse and less self-indulgent.
Nothing is without risk. That's one of the fundamental laws of being, and is quantum theory. I could dissolve and reappear in another place (it's unlikely, but, explained by quantum theory.)
Do rubbers break? You betcha'. Do folks have disease besides HIV? Every day. Are some folks thieves, and stalkers, and nut cases? Absolutely.
Can the pack tell you what to do? Nope. You're gonna' have to decide for yourself.
Fear is your brain telling you it may not be a good thing. The military conditions their men on how to delay the fear response long enough to deal with it in the front part of the brain instead of the brain stem. Fear is there to protect you from harm. Pain, too.