I enjoy the mental thrill of bareback anal with civvies, but if I'm honest the physical feeling isn't anything to write home about. The bell end gets very little friction, and it gets very loose quickly, the canal is too smooth to enjoy and it feels cold. I have gone straight from ass to pussy many times (yeah, I know) and been amazed how much nice the wet, warm pussy feels. These days, I can't be bothered with anal. Add in the whiff of shit if you pound it too long, and the occassional brown streak on your cock, and the sticky, grimy feeling of shit inside as you thrust, and it's one of those things where all the pleasure is in having something you can't normally have ... and once you've had it 100 times, for me that thrill has now gone.
Worth trying if you get the chance, not worth risking your health over. imo