I hear you about peace of mind. I had a massage about a year ago in SF. Made it clear I was not looking for sex, but wanted sensual and legit massage... and asked if he was ok being nude and allowing mutual touch. It was a great experience until the last 15 min. The MT had him aroused, which I found fun. He straddled me and with my junk behind him, stroked me with his hand behind his back. I came, and finished him with my hand. It was all great until he asked if I wanted to cum. I was so confused at first, like ... how could he not know? I said I already did - and he asked, “In me??”. Took a few seconds for me to realize he’d slipped me in him. I would never believe someone would not know had I not gone through this. I asked if he was at least on PrEP, and he said no. He had not asked me a single health question. Not one. Suffice to say, I freaked. Got on PEP immediately. Could not put through insurance. This was $4026 of meds for one month, which THANK GOD I got a one time voucher for. Very expensive lesson. I know my risk was low based on topping, but to not take action was not an option. The regret would be a bigger problem. I now carry condoms ALL the time, and have made a project out of finding the best ones. (Trojan Supra non-latex, no odor.)