...picking up a civilian at the bar and going home with them. Most people over-report condom usage when asked about it due to morality issues, and wouldn't actually discuss lack of condom use if asked.
Since providers literally have sex for a living, and their businesses are based on the assumption that they are in good health, the chances of actually getting something from a provider are a lot lower. There are a plethora of other reasons as well, but i don't think this is the place to get into those issues because they involve demographics and socioeconomic theories that surround what populations are most likely to have STIs.
Hookers might be really great at dirty talk, do dirty things in bed, and get dirty if they fall into a mud puddle, but by and large, hookers are the largest proponents of safer sex out there. Couple that with being tested on a regular basis (which you should be too!), and the risks are reduced significantly.
PS:
Lots of STIs are asymptomatic, and can be for life. Hence why 60-80% of the population has one type of HPV or another and HSV. Also note, that just because you are exposed to an STI does not mean you will seroconvert. STIs need specific environments in which to proliferate, and those environments are specific and tenuous at best. This doesn't mean one should be haphazard about safer sex practices, but one also need not be whorephobic when it comes to getting an STI (also take into consideration that the penetrated party is far more likely to receive and STI than they are to give one). "Expecting to catch something anytime you've seen a provider" is seriously sex-negative, whorephobic, and assumes that hookers have no scruples, morals, or awareness when it comes to their health and the health of their clients.
You are just as responsible for the health of a hooker as she is for yours, and you're even more responsible for your own health than she is. So be responsible about your own health and stop dumping your fears onto a hooker you haven't even stuck it into.