The risk is less than with a casual acquaintance hooked up in a bar or in a disco. STDs themselves are treated, even people with HIV infection live for many years.
If you consider a girl with a payment on time to be a breeding ground for infection, then I would not recommend starting your life with this option. Wait for your love, or at least you will remain a legendary virgin like Anatoly Wasserman.
If no one introduced you to safety precautions, and you, as usual, signed in the magazine, then the chances abruptly cease to be illusory.
Remember your mucous membranes should not come into contact with the mucous priestesses of love and the fact that with these I recently came into contact with mucous membranes (especially if a lady is from a highway or a cheap brothel).
Therefore, it is worth refraining from excessive masturbation, a prostitute should remove the condom, and it is better to wipe it yourself. The use of additional safety devices such as chlorhexidine is also desirable.