Wow, lot of replies. One by one:
@Daniel: That is exactly NOT the question I want answered. I don't care what you think of abortion: I didn't create this topic to debate the morality of it. I just wanted you to look at the situation through -my- eyes. Thus, if you didn't think it was wrong to abort a baby, I asked you to think of Russian Roulette instead (which I'm hoping you think of as wrong). I don't care whether or not you think it's wrong to abort a baby. In this question I'm posing to you, I wanted you to answer as -if- it was wrong. Totally selfish perhaps, but I didn't bring it up to debate the morality of abortion. That could be a separate topic
That being said, the reason I think killing a baby is wrong is because it's going to grow up into a person. I had a nice course in college that straightened all my beliefs on the right to life out. I don't think we're violating the fetuses intrinsic rights by killing it: it can't comprehend its own death. However, I feel that I am eliminating the rights of the future person to life. Hence why I believe that life begins at conception, not for any religious reasons.
@inBOIL: I support her because I wouldn't want my life or hers ruined either. Would it be utterly ruined? No. Derailed past a point I would like it to? Yes. Yes, I'm choosing my own selfish reasons above what I believe to be morally right. Hence the quandary I'm in. I don't pretend to be morally pure :P.
@Daniel again: I was using the 85% 'normal use' statistic with condoms, since I doubt we'd achieve perfect use with that. 15% of 'normal use' condom users (with that being the only method of conception) conceive every year. Scary. I'm fairly good at math, but thanks for the doublecheck.
@abaya: The whole point though is that it's still possible. While I'm not honestly concerned about it really happening (especially if I double up), there's still that tiny possibility that it could happen...and then I'd be forced to (in my eyes) commit murder. Again, not forced to, but that would be my choice in that scenario. Btw, my SO loves you right now because this is exactly the answer she's been saying :P.
@ratbastid: Now this is the most helpful answer to me so far. But I ask again...if knowing that I would abort it in the end, is it morally right for me to take the risk starting at the beginning?
@LT: To me, it's a pretty accurate analogy, and I'm glad that you took it that way. And is that really the answer? That there's no x and y great or small enough that it's worth it (if not morally right)? See...I would be using it as a form of contraception. Granted, a second (or THIRD) line of defense...but still there. But then your last sentence makes me feel better about it all again ^^.
@james: xD. To be honest, I was raised pretty fundamentalist, but I like to think I've broken away from that pretty cleanly

. Again, the only reason I was even reading Conservapedia was willravel's link, and I like to keep an open mind. So while I took a heaping portion of salt with every article, I pondered the possibility that some of their research might be valid and just something I'd never heard before. Thanks to onesnowyowl, this was shown not to be so.
And I didn't mean for this to be about the morality of abortion. I meant it to be a discussion on the morality of Russian roulette for personal gain with large x and small y.
@ASU: I haven't even looked at the Conservapedia entry on abortion xD. No thanks xD.
And as for your answer, I don't think it's that bad. It's something many people do often. Google 'monkeysphere'.
And for the baby, it's money, time, and college largely. A baby is not in the cards for me right now, whether by abstinence or contraception coupled with abortion.