Are you kidding me????  Are you being sarcastic here?  If the relationship has crossed the provider/hobbiest line to something more personal and intimate, there would and should be far more signs than just an invitation to go sans robe.  Those other signs would make it clear and obvious that the relationship is something else, and would preclude the hobbiest from even having to ask this question.  If this is his only clue, then he should be very very wary.

Trust?

Let me ask a question, just as food for thought...

What percentage of the people in the world who have a life threatening STD would you say caught it via a sex act with someone they KNEW also had a life threatening STD?...what percentage do you think WERE TOLD in advance by their partner that there was a risk involved?

I am certain it is RARE. Most people who contract an STD do so from an infected person WITHOUT possessing the knowledge that they were infected.

While it is true that some people,in VERY SERIOUS,typically MONOGAMOUS, virtually ALWAYS LONG TERM relationships do indeed engage in sexual activity with an infected partner, I have never heard of this happening without protection.

Now,in Matrix case,without knowing him (or his "girlfriend") personally,I don't know how many of the above criteria might apply to their relationship. How "serious" he is about her...or she about him. I am ASSUMING they out have known each other for quite awhile but, I personally would not define a "long term relationship" as one where you have seen a person,say, once a month for three years. That means you have about 30 days of relationship time, not 3 years. And,I think it is also reasonable to assume that Matrix "girlfriend" is not monogamous.

Now, let take off the table the she has any ill intent. Though that is a specter of possibility...I will assume she...and most of those who pass on an STD...do NOT know they have it when the transmission occurs.

This still leaves the question of WHY does she want to do this? If it is in the interest of "kink",hell the LEAST kinky thing you can do with your spunk is deposit it where it was intended. If she says she doesn't like condoms, then this makes me REALLY doubt if Matrix is the only regular john to have received this proposal. If it is to create a "bond", beyond the one that exists when two people simply enjoy each others company and know how to please each other, I would say at least one person has lost their perspective...and if he takes her up on the offer, they BOTH have. That would deeply concern me as well.

So, without knowing the WHY, there simply appears to be too much risk here...too many unknowns.

And when you are talking about risks, think about this. Every time you have sex with someone, even protected, you are taking on a risk. The presumption is that the protection reduces this risk dramatically. However, NO CONDOM MAKER has EVER claimed that condoms ABSOLUTELY PREVENT the spread of STDs. They reduce the risk, but the only SURE prevention is abstinence. In labs, the effectiveness is so high as to be virtually certain...but it is not 100%. In the real world, misuse, slippage, splillage, breakage...etc...reduce that effectiveness considerably. However, in the real world, we like / want / need sex, so we take that risk.

That risk however assumes some things, like reasonable knowledge of your partner, and reasonable frequency of intercourse. In the case of Matrix GF, we can assume that A) She probably does NOT possess reasonable knowledge of all her partners, past and present  & B) she has sex ALOT more often than the typical female.

Thus, she is MUCH more likely, simply statistically speaking, to have an STD, whether she knows it or not. This isn't a judgment of her....this would be an undeniable fact for ALL Escorts.

Of course, it could be that she gets tested often, which would be prudent. Does Matrix know this is the case? Has he seen the test results? How old are they? If she gets tested at any frequency less than once a day, there is risk. She might have contracted something since her last test, and as an Escort, we can assume she has had sex since her last test.

I am not being judgmental here. As hobbyist, we ALL assume the risks above. It is a choice that is made for reasons that only each man can speak to for himself. Consciously, or sub consciously we weigh those risks against the added protection that a condom provides and go forward. Hell, you could make a strong case that there is less risk involved in protected sex with an upscale, discreet, careful Escort, who gives every indication that she demands protected sex 100% of the time, than there is associated with the unprotected sex a guy might have with his steady girlfriend.

BUT, take off the condom, and ALL of that goes out the window. No matter how nice she is, how much you like her, how much she likes you, how well you think you know HER, you are now having unprotected sex with someone who you know often has sex with people she hardly knows. And the fact that she is asking YOU to go condom free doesn't bode well for the "demands protected sex 100% of the time" now does it?

Bottom line - this is crazy. And anyone who would think different more than a second really needs to take a break from the "hobby" and check his or her perspective.