Ease Me In (The more guarded approach):
You've said you don't want to use condoms anymore because sex feels better without them, but using protection is important to me to protect against both STIs and pregnancy. So if we're going to have sex, we need to do what we can to keep us healthy and prevent a pregnancy.

Just Give It to Me (The no-nonsense tactic):
I know you think it feels better not to use condoms, but that little extra sensation isn't worth the risk of getting pregnant too soon or sharing an STI. Children change your whole life and cost hundreds of thousands of dollars. I don't want to have one before we're ready.