My boyfriend and I had unprotected sex pretty soon into the relationship... maybe a month or two? He was a virgin before me, and I had only been with one other person who was also a virgin, so there was no risk of STD's.
Since I've only had one partner all my life, I can't answer this with 100% certainty. The first few times we had sex, we used a condom, and in the two years following it's sort of dwindled down to where we haven't used one in a couple months and before that were several more months of unprotected sex. Most of the time we use withdrawl.
Honesty is the best policy on this one. If you care for someone, even if you have only known the person for a month or less, both of you deserve the truth about any potential problems in the safety department.
I put other because right now, for me, I don't want to have a baby so condoms are a must. As far as STDs go, if I was in a commited relationship with someone and we both had been tested then I would feel fine with not using protection.
Unprotected, as in no condoms... Probably after we had been seriously dating for quite a few months and we had each gotten tested negative. But I would still take the pill, unless we were actually trying to start a family.
I'm trying to figure this out now myself (before I even have sex). Maybe I'm thinking of this the wrong way, but I see unprotected sex as having two factors: the risk of STDs and the possibility of getting pregnant.
I am a virgin, so there's no way I have anything, but my guy is not. If he gets tested for STDs and has nothing and I'm on the pill (to cover the pregnancy aspect of the situation) would a condom still be necessary? Granted, I'm aware the pill doesn't always prevent pregnancy but, theoretically?