As for that professional/family situation..........that's where birth control comes into play. I'm sure if a pregnancy would be bad for the home life, she'd be preventing.
I think when we're ovulating, we seem to want the guy to cum in us. It's just one of those contributing factors that help us say yes. It's different for most everyone, but for me, my decision process seem to get skewed.
I'm not going to lie, I do get a sick kinda thrill out of risking a pregnancy. I know if it happens, I'm having the baby. I have the family and means to raise the little one.
Even when I was in college, I let Steve (before I married him) pull my panties off and cum inside me with no birth control. We had not had sex yet. It was 6-7 months into our relationship. I loved him, but did not tell him yet.
I said to him with a grip on the waistband of my panties, "If I get pregnant, you have to marry me. I'll give you a bj right here if my panties stay on." He continued to pull and I let go of my panties. I did not get preg, but I was ovulating. This was the point where I was so sure I loved him and he loved me. We had yet to say it, but we both knew.