I prefer without, but usually use a condom, but sometimes I get trashed and let guys do what they want then worry for 3 months until I can have a HIV test.
Just a heads up on that. The "3 month" window is a suggested guideline because there are rare cases where seroconversion doesn't occur within 2 weeks. In a nut shell, the HIV virus must first overwhelm your immune system enough to make it start to produce the protein needed to formulate the anti-body[nb]P32 if memory serves me correctly, but don't quote me on that.[/nb] needed to defend itself against the virus. Most often, this actually happens within 2 weeks, however in the case of an elite controller[nb]One whose immune system possesses a natural ability to suppress the virus and maintain an undetectable viral load without the need for antiretroviral medication… Elite controllers are very rare, but do exist.[/nb] or a delayed progresser[nb]One whose immune system is naturally compatible with their HIV strain, thus making the progression of the virus itself take much more time than most people. Delayed progressers aren't rare, but they aren't exactly common either. They are however more common than an elite controller.[/nb] this process can be delayed by up to 3 months. In very rare instances, it is possible (though not likely) that an elite controller can avoid the seroconversion process for up to 6 months, however this is extremely rare.
In short, if you're really that worried about whether or not something happened, get a test 15 - 20 days after the time of exposure. Statistically speaking, if that test is negative, it's a 92% - 96% chance (depending on which study you go by) that the negative test result is actually negative. The reason that health professionals advise that this window is up to 90 days is because even when taking elite controllers and delayed progressors into account, statistics show that at 90 days, a negative test result is a 99.9% likelihood that it is actually negative, instead of the 92% - 96% statistical odds at 15 - 20 days.
These are but some of the more interesting things about the whole process that most health professionals generally do not tell people for various reasons. Hopefully this information should help to keep your mind a little more at ease during such 90 day windows.