NEVER trust a girl who won't use condoms unless you know for a fact that she's clean and that you have concrete proof that she is physically unable to have kids. Even in an established relationship.
Even in a best case scenario where you're in love with a girl in a monogamous relationship, never trust the pill alone. Missing only one day can decrease it's effectiveness by a tremendous amount. Something like 30%. If she does not take it everyday exactly when she's supposed to take it, it won't work as well. And even sweet girls with good intentions can be forgetful and not want you to be disappointed in them, so they won't tell you if they forgot to take the pill on time one day since many of them don't realize how much difference skipping one pill can make. That's why they put that placebo pill in every pack of birth control. So you don't forget to take something at that time everyday.
And that's just the best case scenario. I'm not even going to go into the bad ones with the sexually promiscuous types. But I will say this. While I don't know anybody with AIDS, I know people who have had a plethora of other STDs. Some curable. Some not. I dated a girl with herpes a long time ago. She broke up with me because I wouldn't sleep with her.
Even the STDs you can get rid of are not fun. The test alone for gonorrhea is as bad as the disease. They stick this barbed wire cue-tip sort of thing down the hole in your schlong and do some kind of scraping.
Halfway off the subject, though, I wanted to say something else to the other guy about people at risk for AIDS. Strip Club Inspector, the only reason traditionally homosexuals had been higher risk than heterosexuals was due to sexual practice, not sexual preference. It has nothing to do with them being gay. It has to do with what kind of sexual acts they engage in.
HIV is a lot more likely to be transmitted during anal sex than during vaginal as the intestinal tract absorbs things into it and takes them into your system a lot more. And since gay men don't have vaginas, they engage in more anal sex. However, a heterosexual who engages in anal sex on a regular basis puts themselves in a higher risk category. Particularly women since they are the receivers.
But I agree that if you're in a position where you can have natural unprotected sex with a woman the way it was intended to be in nature without having to worry about the consequences, it's one of the most amazing things in the world. I dated a girl with a hysterectomy once. I never had to worry about pulling out or wrapping up. It was the best sex I've ever had.