I think it's unique to each person, but we made a conscious decision NOT to use protection (condoms or birth control pills). Our reasons were because...
#1. If we got pregnant, we were prepared to have a baby
#2. We were both clear that we were in a committed, long term relationship and neither of us had any qualms about STD's because...
#3. We had both been tested for STD's and HIV (myself because I worked in the medical field but my husband was my first, and him because I was not his first)
I think that if you choose to go this route, and have had other partners in the past, both of you should be tested. Just to cover all your bases.
Best of luck with your decision. Everyone has a different opinion and reasons based on their experience...