Add me to the boat of people who think you pull out guys are functionally retarded, and that's coming from Onoes. I don't even know how you would compare the two options, let alone try to claim that condoms are less effective. If I had a bowl of acid, and you had two options, put your hand in a glove and stick it in the acid, or just go in with no glove but you can pull it back out really fast, which do you think would be safer? It's just dumb for the sake of being dumb.
I guess I just don't understand people's insistence that sex isn't great unless its completely unsafe. I've literately had sex thousands of times using a condom, spermicidal lubricant, AND still pulling out right as I came. I never went "Why the hell did I even bother, its all ruined!", I was always very happy about the whole thing. I didn't want to catch anything, and I didn't want kids, it wasn't a hard decision. Here's an analogy for that. Think of sex like a big ice cream sundae. With protection it's like you get to enjoy 95% of that sundae, just eat everything but the cherry with close to 0% chance of anything bad happening. Yeah, you don't get to eat that delicious cherry, but you still get most of the experience. Unsafe sex is the same thing, only every time you eat the cherry, there's a chance someone jumps out behind you and stabs you. Might not happen, might never happen, but every single time... there's a chance you're getting stabbed. Only it's worse than just getting stabbed, because now you have kids and your life as you knew it is over.
On a side note, I got my wife pregnant the first time we had unprotected sex, the first time I ever had unprotected sex with anyone, so I feel especially justified with my over the top precautions every single other time.