Freaking out a little bit

just me

So my boyfriend was quite sloppy with the pull-out method right around the time of my ovulation, I'm supposed to be on bc but I lost my insurance and we didn't have the money at the time to buy it.(which he knows) I want a baby, but my body doesn't handle pregnancy well (my last pregnancy my water broke at 20 weeks and I had my son at 21 weeks and 3 days, and he didn't make it) so I'm scared. And so now it's the end of my cycle, I'm not really experiencing cramps or anything like I normally do before it starts, and I checked my cervix and its low/med height, soft/firm, and closed, I'm also having a lot of creamy discharge. Am I just freaking myself out or? (I know I sound dumb for even using the pullout method, but I really do want a baby, I'm just scared of the pregnancy)