It is worth noting that precum has a higher concentration of sperm per unit of volume than the big Hollywood finish stuff. My oldest daughter is a fine product of teenaged precum playing. Therefore, if you think taking a little dip doesn't have risks, you are only fooling yourself. Your swimmers and her eggs know better. Anytime you insert, remember that it is a loaded gun (and a misfire will dramatically change your life). If you don't insert, your risk level is low, as noted in an earlier response. Take my comments with a grain of salt though. My ex and I would make a baby everytime I sat by her...we were a little fertile.