Who’s right?

So I’ve been hanging out with this guy and we started casually dating, we’re both not really experienced so we’re just going with the flow.

I’m not ready for sex yet but we’ve been doing other stuff.

We tried dry humping in his car (we were both wearing shorts) and it was kinda hot.

Then we decided to try dry humping (with me on top) but I was in my underwear and he was naked. (I didn’t tuck them in between my labia or clit or anything they were just worn regularly) He came a bit on his stomach.

He then stopped me and told me that it was more unsafe than having sex with a condom. I told him he was wrong because his penis wasn’t in my vagina and he also didn’t cum into my vagina.

I even researched it beforehand and always research stuff I want to try with precaution because that’s just how I am, but to settle the debate can you guys please tell us who’s right/wrong? Thanks