You sound just like us in this area. Ultimately, it is all my wife's choice.
She does have a small purse we carry when going out, it contains a variety of sizes of condoms, lube, and wet wipes. She calls it her sex purse. When at a club and things get heated she will tell me to get a condom for the guy she is wanting.
Over Christmas, we had a small gathering of vanilla friends at our house and my wife got to flirting with a young 26-year-old guy who was new to the neighborhood. At one point, they were in the kitchen and making out heavily. Our gathering ended early around 9 pm and my wife and the guy were not in the living room where everyone was gathered. I walked into our bedroom and the gym was on top of my wife giving it to her hard.
I walked out and gave them privacy but could hear them go at it several times together. The next morning, the guy asked to use our shower, I was amazed at the size of his big cock when I got him fresh towels and showed him where things were in the bathroom. After his shower, he talked for a while and then got dressed and he left. The sex purse was open and on the nightstand beside the bed. Normally, I pick up condom wrappers and used condoms but there were none.
I asked my wife and she told me he had cum inside her a few times, she told me his cock was so big and the condoms irritate her so she just took him bareback.
Her sweet pussy was destroyed. I don't ever say anything about her using condoms or taking a man bareback. I will normally get a condom to offer but it is up to her.
It is also not uncommon for my wife to be in the midst of sex and to pull a guy's condom off and then put him back inside of herself. She loves bareback and she also loves to feel a man cum deep inside her.