Pull Out Method- yay or nay?

I've seen a lot of posts about the pull out method and its statistics concerning pregnancy since I joined this app. I'm relatively new to sex, and I'm just interested in what you all have to say. Does the pull out method offer decent protection against pregnancy? Is it true that pre-cum isn't that big of a deal? My boyfriend and I sometimes use this method because condoms just tend to rub me raw after a while, making sex not as enjoyable. Thoughts?