"I've been with a couple of girls that when I went to the bathroom I took my wallet with me "
LOL... back in the day... i had nothing against sneaking into a car, alley or bathroom for quick fun... but it's everything but actual sex... too much chance of STD or babymaking with a stranger, and you get yours anways, so at the end of the night it's the same.
I'm not saying join a convent... I just didn't risk penetration with strangers or casual friends... way too much chance of getting into something you can't 'undo'.