I understand where you are cumming from. My friend was the same way (I was taking loads before I knew what a condom was) he loved the feeling of skin on skin, but always begged for the guy to pull out and shoot on his face, or back or chest wherever but not inside. I guess that is great if you trust the guy enough, but as they said in the Italian Job "Trust everyone, but not the devil that is inside".
Also remember that according to experts the precum can contain the virus too. Now of course you can ask a poll on here if pozed guys got it from loads, precum, or swallowing. But of course the answers you will get will be false to make themselves sound good (I took 15 loads one night, when really it was a back alley fuck with a troll that was the only one left after the club closed).