Ok the way I see it is this - the pinnacle of having sex is when one of you (or preferably both) reach orgasm. Pulling out at the moment that begins diminishes the experience, particularly for the men - it's almost a ruined orgasm for them as the sensation of being inside at the crucial moment stops.
So if you decide to go bareback (and that is the woman's decision despite what anyone says) then she consciously or unconsciously knows that the likelihood is that the man will cum inside her and, presumably, accepts that.
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