Deary deary me, OP. Imagine you've walked into a bar in the wild wild west and asked for a diet coke. Have you actually ever had a whiskey before?
To answer your questions:
Yes, but low. Doesn't mean you can't get another, non-STI skin infection
No I haven't
Clothes lowers (already low) risk
OWO much higher risk
So to summarise: don't take her kit off, don't kiss her, no fingers in her pussy or ass, OW and, if you're man enough, ask her to leave the marigolds on the side. Finally, do a review.