My standards on protected / unprotected vary by partner.
TheKnight and I are officially fluid bonded as far as STIs are concerned, but use condoms anyway most of the time as the simplest answer to not having any more children. This will probably change if/when I get around to getting an IUD, which I'm heavily considering.
He and Sunshine and DinoActivist and I (and other partners of theirs) all have agreements as far as condoms for PIV/PIA and unprotected oral only with people who have been recently tested (and whose partners have as well, though there's no requirement for written proof or anything like that - really it's a requirement to have the conversation and feel like your partner is trustworthy, and frankly if they aren't, why are you in bed with them?).
AnotherArtist, on the other hand, has an agreement with his primary for latex for everything including oral. Which is... a bit frustrating, but there's enough we can do that's still fun that I'll deal. Maybe if this lasts long-term that may be renegotiated. We'll see. It is sort of nice not really having to worry about his other partners and I suppose that's true in the other direction, on the other hand there's no particular point in oral with latex and I *do* somewhat like that occasionally. ::shrug::