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For unwrapped, the factors are being in a serious monogamous relationship with someone, having been tested before starting to have sex and a few months into the monogamy, her being on the pill/shot/whatever, and preferably throwing in another backup like foam/sponge/etc. I suppose if I were trying to get someone pregnant I would go unprotected, but I have absolutely no interest in being a parent at any time in the near future.
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