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Expert Q & A Answers About genital touching risks

Is it possible to get STDs by taking a shower with someone or just fooling around?

I’ve decided to remain a virgin until I marry to avoid complications associated with STDs and pregnancy. But I’ve met someone with whom I enjoy "fooling around with." I am wondering if I can contract any STDs from sharing a shower with him (his penis rubs against me but does not enter my vagina), or him using his fingers in me after touching himself.