If you dont want her preg, then wear the raincoat always...if you kinda want a kid and are ready to handle one but just dont wanna "try" to have one, then you can pull out before orgasm but the possibility of getting her knocked up is still greater.

I dont think you can get her preg by rubbing if she has panties and you have nothing...air kills sperm quick. Sperm needs a moist warm channel to travel. Its been said that if you stick your head in and cum rather than pushing it all the way and cumming, it lowers the chance because it has longer to travel. But that I think was unproven.

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