We've never had an encounter partner refuse to use a condom when requested, or clandestinely remove his condom - we have however experienced pretty much every other variant you described. Most often, a breakdown in protocol in the heat of the moment...
KK has a mild latex allergy. We've experimented with various condom brands over the years, and when we use them, Skyn are her preferred brand. That's the stock I maintain in her small, purse-size 'sex kit'. Our guideline (I'm deliberately avoiding the word 'rule') is condoms with unscreened encounter partners. Sometimes that guideline gets ignored.
KK prefers skin-on-skin, bareback contact - setting aside her latex allergy, she loves cock and cum, the feeling of a man's bare, hard cock in her hands, mouth, pussy, and ass. We had a scare early on when we started doing the hot wife thing; during what we call KK's "cock-crazy" phase, she got a case of Chlamydia following an afternoon delight encounter with a college age guy. We mostly sorted out the condom thing after that event, but there are still occasional breakdowns in protocol.
Most of our very early encounters were bareback. At some point, guilt, worry, and related emotions crept in. During that phase, almost all our encounters involved condom use, even for me. KK hated it, so the condoms went out the window so to speak. After the scare, following treatment, we generally held to the condom guideline. For the most part these days, all KK's encounter partners are screened, with recent STD/STI test results. While that's no guarantee, it is somewhat a risk mitigator. For the past year plus, things have changed dramatically. While KK has traditionally preferred variety, and hasn't really had a steady boyfriend/fuck-buddy, she's had a steady lover for the last 18-months or so. That change has driven our encounters to a much smaller circle of males, all of whom are screened, and lower risk that the larger pool of random strange cock KK formerly enjoyed. Now condoms rarely enter the picture, other than in kink and role-playing games.
