I always refuse a top wanting to fuck me with a condom, pretty firmly, no matter how hot he might be. But at the same time, I don't complain about it: it's just a matter of different boundaries: he wants safe, I want bare. I treat it as if we're two bottoms basically: there will be no fucking, but that's no reason I can't get on my knees and make you cum with my mouth and throat.
If I'm asked why I refuse, I say that bare feels much MUCH better, infinitely more intimate, warmer, closer, more thrilling, aeons hotter, and the risk is so horny too. Plus when he cums, with a condom, only one of us - him, the top - gets to enjoy the cumshot. If he fucks me raw, we both get to enjoy your cumshot inside me.
And I do, so so much. Not just in the moment, but for hours afterwards. The jizzjoy thrumming inside me, the feeling of being marked, his DNA transgressing me and swimming through my bloodstream into my brain. To fuck me up a little bit more each time...