Well usually what happens is that both you and the SP spend the first 15 minutes of a booking doing a visual examination to make sure that there are no symptoms of any STIs and each completes a 60 question survey about previous sexual encounters, family history, drug habits and favourite pastimes. Once both parties are happy then they both give permission for the sexual activities to commence.
What really happens is that you have to understand is that having sex with another person comes with risks and you have to manage them. Both SPs and SSs should be having regular STI tests to reduce the risk of them being infected with an STI and passing it on to a sex partner. Ideally you should be practicing safe sex by using condoms. You should also be using lune to to reduce the risk of condoms tearing. Certain sex acts carry more risk such as oral sex, anal sex and rimming. You have to decide if you are happy to accept those by performing those acts. If you are not then don't perform them or use condoms for receiving oral or dams for giving oral.
Generally, SPs care a lot about their health as should we all, so the vast majority of them practice safe sex using condoms and lube. SPs regularly get STI tested to ensure that they're staying safe and not carrying any infections that could be passed to SSs. SSs should do the same.
An SP will generally give your cock a discreet once over while preparing your cock to give you oral sex. They like to peel your foreskin back to check that there is no knob cheese lerking to make them throw up and to check for obvious signs of an STI. The SP will also visual check for problems around your lips but again they do it discreetly rather than stick your head under an Anglepoise lamp with a 100W bulb in.
As a SS you might discreetly check an SP's vagina or anus before deciding whether to perform oral sex or rimming on it. If you're not happy then don't do it.
Acts like CIM also carry more risk of picking up an STI. Again it's up to you if you want to do it.
Some SSs and SPs don't do kissing sometimes because of a concern about STIs and some just for personal preference.
You will read on here that some SSs don't perform oral sex on an SP because they are wary that 5 other SSs might have been there already that day. This is entirely up to them. You have to decide what you are happy doing and the risks you take. However, the vast majority of SPs leave time between bookings to ensure that they have time to wash and be fresh ready for the next SS.
Most SPs and SSs care about cleaniness and will be squeaky clean when they turn up for bookings and SSs will take an additional shower on arrival if the SS asks them to as it generally makes for a better booking with the SP being happy to deliver all the agreed services. Some SSs don't clean themselves properly and then find that an SP will refuse to perform certain acts such as oral without a condom because the SS has a smelly dirty cock. It pays to listen to the SP and make her happy with your cleaniness levels.
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You need to decide what acts you would like to engage in and understand and accept the risks that are associated with them or simply change your list of services to a point where the level of risk is acceptable to you.
If an SP offers unprotected sex aka bareback then the risks are higher and I think most SSs avoid such SPs but there is a market for such services, hence why some SPs offer it.