You don't ask.  Yes it is serious. Do you really think that you will get an honest answer?

That's a question that ain't gonna get you laid. The ladies are assuming that we are safe, and we are assuming that they are safe. We all need to be very careful, but that is not a question you should ever ask.

That should screw up a few of them into implying that they are infected.  Seriously though most of them are much safer then the girl you would pick up at a bar.  They would not even think of sleeping with you with out cover.  

Gota run and put some cream on my sores.

Well, you can ask if it makes you feel better.

You can count 100% on her saying "Of course not silly!" in some variation or other.

Now you have to wonder if she's telling the truth or not. The answer you will get is guaranteed, but the veracity is not. So did you gain anything or learn anything by asking? Not really.

As others have said, any woman with half a brain will insist on covers 100% of the time, while a barfly might or might not, depending on how drunk she is. So even though this might seem to be the higher risk activity, in truth your chances tend to be far better with an escort than a lady you might pick up at a bar.

If you are truly concerned about the possibility of contracting an STD, you can always feel free to ask the lady for CBJ instead of BBBJ (I promise she won't be offended), and refrain from DATY if you don't feel comfortable doing it. She won't be offended by that either. Promise.

This is your hobby, and its about your enjoyment. If you are too distracted by concerns about STDS, then you won't enjoy your experience. Different activities have different levels of risk, so make your choices based on what you are most comfortable with.

I assume it is likely that she does have an STD and may not know about it.

Perhaps that's because I caught chlamydia from a BBJ years ago.

It did not stop my hobbying but it did make me more careful.

Treat a lady you meet here just like anyone else you know nothing about and are about to get naked with. Be careful, enjoy and just like MaMa said "wear your rubbers when it's wet".