For me, regular tests (at least monthly) is a requirement before I even consider having sex with anyone. If I don't know my status, I have no business potentially exposing others. Yes, there is always risk - always. But I take steps to mitigate the risks as much as practical. Note that I said "practical," not "possible." I get tested at the same lab the adult video industry uses @ $155 for a full panel. I look at that as an $1,800 annual investment in safety.
Next, I got a prescription for PrEP. It's free through my health plan, and I need to do extra tests with them (oral and anal swab) every 90 days as well. Worth it as it makes it extremely unlikely that I can get or pass HIV.
Finally, I'm 61 and I got snipped 2 years ago.
All the above positions me to make any SB as comfortable as possible going bare. I too, cannot perform with a condom. Even with the help of pills, I just can't sustain when I can't feel anything.
So I make bareback part of the arrangement negotiations. I discuss all the above and ask her to share her test results with me, or get new ones to share. I even offer to pay for her ongoing test costs. If she's not comfortable without condoms I move on. If she asks for more money to go bare, I usually move on. (Met an amazing POT last year who was sexy, charming, a great conversationalist, liked to go out in public with her SD, was "presentable" to my close circle of friends as a real "girlfriend", but when we discussed condoms, her ask went from $400, to $1000. Sadly, I moved on.)
Is it "burdensome" as you suggest? At first, yes. But it's necessary to ensure mutual consent and satisfaction with the details of the arrangement. Once you have gone through a few cycles of BCD and sharing latest test results, it just a quick process to demonstrate both parties are living up to the agreement. It builds trust and helps keep her motivated to stick around.
Have I lost out on POT opportunities? Most definitely. But if I had to use a condom with those POT's I wouldn't have been happy anyway.
Look for me, this is a game of quality, not quantity. There are others here who want to increase their body count at logarithmic rates, and there's something to be said for bedding 50+ women in a 52-week year! You have to find what aspects of an arrangement are most important to you, then optimize your search and negotiation process to get as close to that as possible.
Life is good
The Cat