I'm actually like this. I know it's all unlikely if you use contraception properly, but you always hear of people who:
- Were at a non fertile time
- Were on the pill
- Used a condom
- Didn't even penetrate
..and still managed to get pregnant. I know most people who say that are talking rubbish or are trying to kid themselves, but I just always end up thinking that it would be just like my luck for that to happen.
It's having a horrible effect on my sex life, because I can't relax enough to enjoy it. Foreplay is great. Oral, great. Fingering/me pleasuring him, great. But as soon as it becomes penetrative I get nervous and can't relax. *Sigh*.
I know this isn't helpful to you, I just thought I'd let you know I understand how you feel.