No pulling out does not work, it is ok for couples who don't mind if they get pregnant but aren't planning it right away.
The precum is not neccessarily half way down the vagina but right up at the top by the cervix.
Yes some couples do have trouble concieving but usually there is an underlying cause and not every woman ovulates every month.
What about the poor girls who get raped and get pregnant hmmm?
To say you don't care about std's is just insane.
Nothing is made up to scare people into not having sex but to educate them to do it sensibly.
For goodness sake if you both don't want to use a condom then get advice on maybe her taking the birth control pill or patch, don't leave it to chance any longer unless you are prepared to take the responsibility and costs of being a parent!