Within domains, responses clustered into seven themes: (i) Individual Preference, (ii) Assessment of Risk, (iii) Didn’t worry or think about it, (iv) Time and Situation, (v) Relationship and Trust, (vi) Interpersonal Communication and Dynamics, and (vii) Love, Intimacy and Desire. Within some themes, responses were further broken down for comparative analysis into categories (Tables 2 and 3). Across the comparisons (online vs. offline, URAI vs. UIAI), individual preference and contextual factors were the top two thematic reasons, followed by a reasoned judgment based on risk assessment, relationship status and interpersonal communication.