The permutations boggle the mind. People will come up with all sorts of rationales for not using a condom. None of them are valid. AIDS is a one-way street. Socioeconomic position, claims of recent testing or pleas of sensitivity and comfort are irrelevant.
Sex is a loaded topic.
There are all sorts of factors here. There is your value system and morality. There are sexually transmitted diseases. There is unexpected pregnancy. We do not propose to address any of that here.