Condom paranoia

I'm scared to trust condoms. I try to avoid times when I am fertile & we also pull out with a condom on yet I am nervous about the 97% effectiveness rate. We fill the condoms with water after and they never have a leak. But people scare me with stories of how they get pregnant using condoms and stories of "microscopic" holes. Is this true and should I be worried. Pregnancy is not something I could handle right now in college. Thank you!