I'm curious. With no other form of contraception, how effective are condoms against pregnancy?
Also, my partner & I sometimes will straddle each other but with her wearing panties and me wearing nothing, I presume it is unlikely, but is it still significantly possible for her to become pregnant?

Condoms are fairly effective when used properly... If you actually read the info on/in the box will tell you. You should wear one!!!!! Yes your girl could possibly get predders thatway but it is unlikely.... Wear that condom !!!!!

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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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Even if you use condoms they are not perfect. To me it happened more than once that they ripped. A friend of mine likes using spermicide gels or foams with it at the same time. (Take care, mustn´t affect Latex! Needs to be fat free)

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There is always a risk of impregnation even if she is wearing panties. It is much reduced than ejeculating inside her vagina but it is there. Always take precautions, condom, spermicides, contraceptive pill ect before any sexual secretions have a chance to mix.