Kim, if you go to the Search box on the top right and type 'bareback', you'll find about a zillion threads where this has already been discussed (along with OWO, tax, condoms, stockings and lots of other topics). Here are a few to get you started:
http://www.saafe.info/main/index.php?topic=11810
http://www.saafe.info/main/index.php?topic=11741
http://www.saafe.info/main/index.php?topic=3936
http://www.saafe.info/main/index.php?topic=1168
http://www.saafe.info/main/index.php?topic=3302
http://www.saafe.info/main/index.php?topic=2363
As for the other lady, if you suspect that she might actually be underage (as opposed to just looking young), report it. Shit like that gives the whole industry a bad name.