If anything it would be worse because there's the same amount of friction as masturbation, and a whole different flora set to complicate things, and you might give them whatever you have.
The first part is false but I see your point of not infecting a woman.
There's very little lubrication on an uncircumcised penis head. Women on the other hand get so wet and the act of sex is incomparable to any feeling that I wonder why we even have wars.
Apparently I had a bacterial infection but I'll go get tested for STDs to see if anything comes up even though I've never had warts or weird discharge.
https://www.lybrate.com/topic/what-s-causing-that-fishy-penis-odor/c421ba3d553d28e77670745ae31cc9a8