Considering that everyone on this board engages in what everyone seems to want to call "risky" behaviour (if nothing else, condoms do break and very few use dental dams for reverse oral so clearly there isn't a desire to eliminate ALL risk), it strikes me that there's an amazing amount of prudishness and squeamishness regarding bareback. Not to mention moralizing which, even though personally I eschew bareback, I still find annoying. Of course, if we all did bareback all of the time STD rates would no doubt increase but then back in the day (the 70s and early 80s) when bareback was pretty common, I don't recall massively heightened rates of gonnhorea or syphilis. If they were more common, I doubt it was massively so. And as for seeing girls who do offer bareback well, as other have said, they all do in some form or another (albeit mainly personal life) so I'd suggest those who want to be 100% safe simply stay out of the kitchen. With regards to bareback in "personal life," most of the WGs I know pretty well I would say this: Quite frankly I'd trust a punter to be clean far more than the sort of blokes they go out with and do have unprotected sex with.
From a personal point of view I'm not a barebacker a). because I don't want an STD (though I'd be far more worried about diseases that are not HIV if I was) and b). because it's simply unnecessary risk. That said, I have had three experiences in many years punting (in the past few years) where it has been an "issue." These are:
1. I went out with a working girl I'd seen a number of times prior to starting a relationship for around a year. This was a proper relationship (which didn't work out and was thoroughly awful, but that's another story.) We had unprotected sex as, I think, you would in a serious relationship. OK, it wasn't paid sex at that point but what's the difference? We might as well have been "in the room" when we first met for all the difference it made physically. An STD doesn't know you're in a relationship.
2. I had a girl who I saw repeatedly and regularly -- many times over a year. She was well spoken, educated and good company. We came to know each other very well. Do I know she didn't offer bareback widely? Of course not. But I have no reason to suspect she did (and let's just say I knew her pretty well.) After about three months and multiple visits -- we got along brilliantly, she simply popped it in one day. I didn't stop her and I trusted her. Trust is what it boils down to. I would not do this 99.9% of the time but I did then. I felt right, I wasn't worried and I don't regret it.
3. A girl I had seen twice and also got along with straddled me and, same as the above, started to put it in. I said "no thanks" and insisted on a condom. In one way, the situation was the same as the above but in another I knew her far less well, felt far less comfortable with her, did not consider us "friends" of some sort and simply did not feel I knew and could trust her judgment. There we are; that word again. Trust.
In my view, bb as a Standard Operating Procedure with WGs is a no-no but to simply moralize, judge others, or make blanket statements is irresponsible. I daresay some will read the above and question my judgment -- same may even write me off as a "barebacker" though I can assure you I am decidedly not. A girl I don't know who offers BB and describes herself as a "cumslut" I wouldn't even see. But in the end, it's about trust, not morality or even self-protection. Only you know what's in front of you and only you have the information required to make the right decision for you. Sometimes, you may surprise yourself with your own judgments.