Actually the chance of getting HIV from unprotected sex with HIV positive female is quite low. Estimated to be 2% chance, or 1/50 on the higher end
https://stanfordhealthcare.org/medic...20an al%20sex.
The chances increase if you have existing STDs, anal sex, or if she's on her period. There's no chance of contacting HIV if the girl is not HIV positive
So chiongsters count that the chances are in their favour. Some also take the HIV PrEP (cost about $50/month according to google search) as preparation to chiong
Of course if you kana then the rest of your life is GG. And wearing condom will also protects you from other STDs which are quite discomforting and costs $$$ to see a doctor