Barebacking Question (not googletard stuff)

[WhoIam]

Scenario 1: You're fooling around with a girl in bed, clothes are off, and she slips it in before you can react. At this point do you grab a condom or can you just keep going because the damage is already done?

Scenario 2: You get drunk and bang a girl without a condom. The next morning you realize what you did was stupid, but you're also horny. If you bang the girl again without a condom, are the chances of pregnancy or catching an STD increased enough to worry about?