Your post is right on.
We can really only account for our own actions as we have no idea what other guys are doing, even if they tell us they play safe all the time. I just go by a rule of thumb that everyone has everything and act accordingly.
I'm not sure what guys would do if they knew, I would think a good percentage would skip it.
However, there are issues such as drug and alcohol abuse that clouds guys judgements and I think that's where a lot of risky behavior comes into play, at least from what I see here in Boston.
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