Friend, there is not much before a bbbj or fs.  What are you looking for?  Just kissing and touching and a handjob?  Lots of girls will provide that, it's easy for them.  However, you will pay their full fee.

If you are that concerned about std's, you are better off seeing a provider than picking up a civvie girl in a bar.  Just curious, why don't you want FS or a BBBJ?  If you don't want those things, you don't seem real desperate to me.

Swim

I feel your pain, so here are a few tips.  First of all, you are in the right place and should definitely press on.  You just have lacked the confidence to get beyond the "friends" stage with civvies.  By going with a few providers you will most likely cure that.  Please read the self-help manual, get VIP
and read reviews, go to a lot of girls web sites, join a screening site like P411 or DateCheck to solve your screening issues, read back through about five pages of the newbie board.  Do all this and it's a good start.  For any unanswered questions, come back to this board.  But do your home  work first.  It is all worth it, as well-reviewed providers are the answer to your prayer.  As to herpes and HIV, there's nothing anyone can say to remove the chance of infection.  If you are  very concerned, limit yourself to CBJ, don't DFK or DATY (read the acronyms to decifer).  There is no way anyone can guarantee a risk-free experience.  But understand that even if you could fuck a civvie there's no guarantee either.  The alternative is to remain a virgin.  Personally, I'd rather be dead.  Go for it!

You might be happier with a FBSM practioner.  Often available at less cost and has their own unique experience.   It is a good way to "get started", isn't a budget buster.  In my area, I can recieve a generous hour FBSM w/ HE for half the cost of an hour with a provider in the lowest cost tier.

On the down side, FBSM is generally more clinical, amount of her nudity & your permitted touching varies...   also rates vary with the service.  If you get more you should expect to pay more.  
skb

The whole lake is going to be there if and when you decide to take the plunge.

Study up on this site and the Self Help manual that is linked on this board and enjoy this wonderful hobby.