Unfortunately, it can't be ignored. I now keep it covered for oral and vaginal. (I never did anal out of respect for my junior member encountering fecal debris. Don't get me wrong, there are plenty of times I wanted to tap one but restrained my urge.)
HPV, HIV, HSV, STD, gonorrhoea, chlamydia, syphilis, must be close to 100 in all the strains to be had. And its always on my mind whenever I play. When I see her making a nose-dive with junior as her target, I shuffle about, abort her mission and suit-up junior.
Look, guys it is no joke. I was playing mostly safe and in the heat of battle one day, I lost my head and allowed junior in for a swim without diving gear. Junior felt a bit abnormal thereafter and I got treated for a low-grade infection and took some antibiotics and I was symptom-free thereafter.
But even that is not good enough. Men can harbor HPV viruses, absolutely, positively undetected by testing. And you can transfer that to a female and it becomes detectable and can lead to cervical cancer. There is a shot taken now by females but it does not cover all HPV's as there are many strains. It covers only the most popular.
I was in that scenario. My SO got treated and seems fine now and gets tested regularly but it altered our relationship. The love is still there but would never go raw with a husband harboring an undetected HPV that can lead to cervical cancer.
Try your best to protect yourself and others.