I see your point, but I take a different view on this. For girls on SA you may be right, but for civilians I think there is a still quite a difference in risk. A professional can easily see 3-6 clients per day. Even the most promiscuous civilian (a "club slut") would have trouble keeping up with that number. 50, 60, maybe 120 lifetime partners vs that many in a month or two. So that's the math.
There is also the self selection factor. Clients who risk BBFS are by inference a more risk-averse cohort. They may even already have an incurable STD ('nothing to lose') that they give zero fucks about spreading. So from a sex worker's perspective, BBFS with a client carries elevated risk. Similarly, we can infer that sex workers willing to allow it are also more risk-averse, likely for the same reasons. They are partners in reckless stupidity.
We also overestimate the promiscuity of "club sluts". If she is hot, she is probably very selective. She may be promiscuous, but not with average schmucks. She's a slut with the 20% of men that make it past her random dick defense system. While it is true that a "club slut" in her 20s can go pretty wild, and the men she goes wild with are probably not the most savory bunch, I bet the number is lower than the little-head thinks when they walk by in the tight dress and super heels.
Me personally I NEVER go raw with random girls, and I would NEEEEEEEEVER go raw with a sex worker.