TER General Board
If you are sexually active, whether participating in the hobby, swinging with your partner, or just dating around, you will have risks. I would hope most of the providers here take their work seriously and get regular checkups...but then again, I think anyone who is sexually active should do the responsible thing and get tested regularly. Just because you don't have symptoms doesn't mean you don't have anything. Go ahead, make that appointment on Monday 
As for myself, I just budget it into my expenses and get checked every 4-6 weeks, sooner if an accident happened (condom breaking). The only scare I had was when I got some itchies, but it came out as a common yeast infection. If you don't get tested because you are afraid of the results, yet keep participating in the hobby, shame on you. You are being selfish and could be spreading something, that could easily be rid of with antibiotics. Lots of places in the yellow pages provide discreet testing, and some will even accept insurance and charge you for some other kind of test. They have HIV home kits and I long for the day where they have at home tests for other STD's. They are about to come out with an at home pap smear test and if they could do that with the HIV tests, then they should be able to test for other STD's that require blood or pap smears.
Be safe and have fun!