A quick search from multiple sources tells me you took the high end of the spectrum for your percent of success. The success rate varied greatly from study to study because of all the contributing factors when it comes to how, when, and with whom you are having sex. Pre cum in some cases does contain sperm. That's been proven, even after the man has peed recently. In other cases, men didn't have pre cum. It's hard to tell.

Are they pulling out correctly each time? Do they still produce sperm in large enough quantities to render pulling out ineffective? How well does your partner know their own body? Will there be a time where they cannot anticipate or move quickly enough?

All that being said, yes, pulling out is safer when you use it in combination with other forms of birth control as well since you'll have back up when it ends up failing. However, as the sole means of contraception it shouldn't be practiced unless you are even the slightest bit okay with ending up pregnant.

That's what I think the person who replied to you meant since you said you do not like to use only one form of contraception. Pulling out is one of the worst methods when it comes to birth control because it is so widely unknown and it's strange to see people taking one source as pure fact when there are so many other studies to consider.

The remark about other users saying they are okay with their partners cumming inside them isn't relevant. They seem like they would be in a place where they are ready to get pregnant or at least would be okay with it; or they are using birth control and are relying exclusively on the that.

To each their own but don't consider yourself 100% safe from pregnancy every time you have sex just because you use 1 or more form(s) of birth control because there is always room for failure. Every time some one has sex they are taking the risk of getting pregnant and that shouldn't be taken lightly unless you want to be or will take the necessary steps to terminate.