I think its up to personal risk assessment to whether do Raw or not.
I have a maid who is mid 40s, she says she has been here so 20+ yrs and i m her only one recently. Met up a few times with her and haven raw yet. Of cuz she keeps asking me if i go FL and she is scared of diseases also... She even mention her period stopped and its safe to go raw and cum inside.
Skeptical as i m, i still don have the balls to go raw