Have to say that when I do a RB I always say that I would like the girl to receive CIM and be prepared to swallow but everything including oral is to be protected. I have been told by the GUM that if the penis touches the inside of the mouth (particularly if it hits the back of the throat) you are exposed to a few extra STI/D's that you would not be exposed to if it did not touch the inside of the mouth. Given that I want to play as well as I can with the risk of catching as little as possible, I chose to have oral protected then when I want to cum I take the condom off and like to CIM (without my nob touching her mouth) and watch the girl swallow. Might seem excessive to some but its the way I like to do things.
However, given this girls comment "Aim for the surface area" I am not sure she knows what she is going on about.