I've read many reviews were this has been offered and opted for more lately.  Has the threat of disease/pregnancy/ accident decreased by going agency?  

Agency has nothing to do with it.  It's all about risk tolerance. Clearly it feels better bare, but are you comfortable taking the risk of catching something.

Just search the forum

seeing Kgirls are infections treatable with antibiotics.  Herpes and HIV are a little more serious, but if you are not going to need your kidneys for more than 10-15 more years, there are prophylactic medications you can take to reduce or eliminate the threat of catching these more serious diseases.  Like Regency says, you have to find your own level of risk tolerance.  Everyone is somewhat unique in this respect.  You have both ends of the age spectrum that are more likely to go bare; the yutes who still think they are immortal, and the aged, who are retired and working on their bucket list items, like fucking as many hot young Asian girls as possible.  Then you have the married guys in the middle, many with offspring, who know that catching something is going to blow up their family life, so their risk tolerance is generally lower and they will opt for covered and only see GFE girls.  

 
I was a huge fan of BBFS near the beginning of my Kgirl career and caught my share of bacterial infections.  I always put myself on the bench for 15 days while the meds worked their magic.  Then a friend I had here on TER gave his wife Herpes that he caught from a Kgirl and his wife left him and he left TER.  I'm still single but want to keep my options open to marry again someday, so I don't want to risk disqualifying myself from marriage due to HSV2, so I'm MOSTLY going covered now except for those girls I have been seeing regularly for many years.  Although my risk tolerance is low, it's NOT zero.  It's called "picking the hill you want to die on."  Lol

Again??
At least do a search first, plenty of fights, arguments and put downs of the Kgirls just trying to make a buck in P4P!
And the threads are not that old either.

I guess I should have done this first, a search.
46 pages of BBFS in the Kgirl board!

END OF MESSAGE

I won't be as brutal about it because it looks like you are new.  But we do have this chat every month or two it seems.

My advise, these girls are prostitutes.  They are paid for sex and want to do it in high frequency to make money.  You are probably not the first dude to fuck her that day and nut in her if you go raw.  You already know how light the screening is to see girls.  If you are willing to hook up with that raw be prepared for the consequences.

I caught a curable STD from a bare blowjob.  Told the booker and there was minimal care.  Girl stayed active on that site and others.