Aside from the fact that it feels good for you and gives her complete control over you and your dick for the time being, having your genitals in her mouth basically does nothing for her.
Whether the conversation is about oral sex or not, checking in with each other about your sex life is important to grow and build a relationship together.
But the truth is, if you really want to cut down on your risks of getting -- or giving -- an STD, then that's what you'll need to do, or don't have oral sex at all.