The risk is small, but a lot of life is a trade off of risk and reward.
I started seeing K girls about 8-9 years ago, roughly 3 sessions a month since.
Never had a problem with an STD (knock on wood).
Each K-girl is different in what they are comfortable with (like non K-girls), how careful they are about inspections and cleanliness, what they allow.
You can choose what you want to do, Rim, no rim, BBBJ, CBJ.
DATY is up to you also, most will offer, some won't.
My approach to KGirl safety:
1. Obviously, no BBFS, I've never even had it offered.
2. BBBJ is pretty safe. Risk of HIV is nearly zero, risk of GC very small for the guy, HSV risk non-zero but low. Most K-girl providers will give you a look before they BBBJ to check if it's OK, a very few will ask. I've always gone along with the BBBJ . But if you're really worried about it, just decline and ask for a condom.
3. The shower routine is to clean you up but is also a close inspection by the better providers. It's also really fun with most providers. It's a good place for you to judge how careful they are with cleanliness which may influence what you do afterwards. You can also do a little inspecting of your own.
4. The mouthwash toast won't really clean the cooties out of either of your mouths, it's just to make your breath less rank.
5. I don't know this but I suspect the girls that get something are pulled out of the rotation pretty quickly.
6. DATY: Small risk of HSV, GC. Biggest risk to my mind is HPV which is the main reason I'm not a big DATY fan. HPV is a long term risk, no acute issues. But it's enough of an issue that I don't make DATY a part of my normal routine with providers. However, there are times when I'm having a really hot session and DATY fits the mood (I have to say, it usually does make it a better session). I'd say 1/2 of the KGirls offer 69 by turning around at some point during BBBJ, if you don't want to partake, just don't. You can rub things with your hands, which might just be massaging her butt or legs, and keep your tongue to your self.
7. Early sessions: I nearly always do early afternoon sessions. Most of the girls seem fresher, less tired, less sore, more responsive, etc.
8. FIV: Very low risk but I don't get real deep and keep it superficial. FIA: Low risk but I never penetrate, occasionally rub on outside. (assuming no cuts or broken skin on your hands/fingers).
9. Kissing: Very low risk.
10. Rim: I rarely let a provider rim me, I never rim provider. Higher risk for cooties (Hep ABC, etc) and I just find it kind of gross.
11. P2P: Depends on how hot and heavy the P2P is. I'm a fan of P2P but it's got to be non irritating/chafing which means skin to skin, no razor stubble, good slippery surfaces with lots of saliva or lube or soap (in the shower).
12. Testing: I get tested every 3-6 months and have my vaccinations up to date including Hep B.
However, if you have sores in your mouth or dick, bleeding gums, cuts on your fingers, hands, or broken skin anywhere that will be part of the session, do not go to a session, wait till it heals up completely.