is it worth the risk?

So my fiancé and I are a long distance couple. We live 600 miles apart so we see each other maybe every 2 months and spend about a week together. So you can imagine that during that week there is a lot of Sex. Currently I can't handle all the hormonal changes in birth control, and I don't have a lot of money because I am currently a full time college student so we use condoms. The way my body is designed I get UTIs frequently no matter how many times I pee before and after sex, or how many cranberry products or fluids I ingest. Don't bother giving me uti advice because I've honestly tried it all and my option for that is to take a low dose antibiotic consistently to prevent them, and I can't do that right now either. So when we do meet up we use the pullout and condoms and this past time we have met up he keeps telling me he hates condoms and i feel like it makes the sex worse because I know he doesn't like it as much and he's pressuring me to just use the pullout. So because of that I've been forced to use plan b on multiple occasions which I feel is aweful for my body. 
Guys I love this man dearly and he really is amazing it's just sex with him is so hard and super scary right now and I'm so tired of these crazy hormonal rages and anxiety because of plan b I honestly can't take it anymore and I want to get through college without getting pregnant. I'm thinking about just telling him that I can't visit him until I am financially stable for medical bills and such. Because it will be near impossible to be abstinent when I'm living with hi and in his bed for a week. But if I tell him that he's going to be devastated and will think I'm not taking the relationship seriously. And maybe he's right we are engaged after all. Am I cold hearted?