You can just not have sex. That's true. Just as you can just avoid other risky activities such as driving a car, riding in a car, and carrying a baby to term. If you're okay with living the sort of life that implies, sure, it's an option. Of course, you still have a risk from nonconsensual activities, but if you move into a monastery or similar environment, and let's face it that's pretty much where you have to live to lead the safe lifestyle, then you can probably reduce your risks quite a bit.

Destroying your quality of life to avoid a small risk just seems incredibly stupid.