When she offers it up to you bareback, or she just goes for it, do you assume she's on PrEP or else she wouldn't risk going raw with a rando, or is she assuming you're on PrEP or otherwise you wouldn't risk going raw with a random SWer? If at least one of you is making the correct assumption, things should be fine. If both of you assume wrong, it could be a suboptimal outcome. Same concept with birth control/vasectomy
Understand the premise. But as a practitioner of YOLO, there's many factors at play and I'd only be able to answer that question in the moment.