Unprotected or no?

My fiancé and I have been together for 3 years this month. I'm not on the pill but he uses spermicidal condoms every time. Tonight we ran out but we were ok not having sex until we got some tomorrow. I was debating if I wanted to risk having sex unprotected and I trust he would pull out. I'm in the 3% chance of pregnancy zone so do you think it's worth one time and not worry?