You've answered it yourself, you don't have the risk tolerance for it.
Most decent soaps require their girls to get tested regularly, or even monthly. Compared to most other adult services, soaps are the "safest" but there's an inherent risk in punting.
I went on a marathon this past June and did 9-10 different soap sessions in 2 and a half weeks. Got back home, tested after a month, no STDs, despite copius bbbj and bb sumata action. Does that mean there was no risk? Absolutely not. But people panicking over STDs from decent soaps and providers is highly overblown.
If you're one of those people who constantly worries themselves over STDs, especially from bbbjs, you're more likely to make yourself ill over the worrying and self-induced stress than you are to catch something.