Practicing safe sex is a personal decision as you stated earlier, and only you can decide what's best for you, the guy you're with, and, unfortunately, others who may be effected by your decisions. As long as you are being PLEASED, I guess that's all that matters.
Yes, Asian guys are more submissive than guys in the West, and when he's being submissive with you, you can bet your bottom dollar that he is being equally submissive with all the other guys that he's getting ridden by. The fact that the guys you're fucking bareback are not "money boys" is totally irrelevant.