Fluid bonding should only happen with people you trust and know. Period.
And that's the minimal requirements, better even to get tested before.
I'll add that either side going down on the other without proper protection condom/dental dam is also fluid bonding, but wearing a condom during penetrative sex is like, the bare minimum.
Anyone objecting to wearing protection is an instant red flag for me. Because they'll likely have or have had unprotected sex with others and I really don't need an STD in my life. This has nothing to do with being filthy or a slut or bad morals, it's just respecting oneself and the ones we have intercourse with.
Nobody thinks they are a carrier until they find out.
No please!!! Don't let anyone from my instance see this!
I don't want to go back to sturgeon posts popping up on feddit.org every day!