JesseBean, one question - are you a virgin? Coz it seems like that, I saw no men who didn't like sex after they tried. Lol. So you maybe don't know what you are refusing from ;)

And, well, even if condom fails, there is such thing like emergency contraception. So I think you have some psychological problem and only looking for justifications for your abstinence.

And if you are afraid of STD - take your gf to the doctor before you have sex. But well - meh... They say "Who wants to - he does, who does not want - is looking for excuses"