sex ruined because the woman stops and says 'I want you to cum inside me, but do you have a condom'?

For context, I'm 54, and I can't realistically date any woman younger than 40 otherwise I'd be labelled as some sort of wierd sexual predator due to the age gap.

So I'm getting jiggy with a woman say around the same age as me, and as we're becoming one singular being enjoying the experience she says she wants me to cum inside her but wants me to wear a condom...

That blows me away (not orgasmically) and destroys the moment.

This has actually happened to me and it was so out of left field and I never ever even considered something like that would be asked, so when you calm down from your orgasm (s) I'd like to know your views?

Because I'm not a 'sex on first date' person I basically don't have any or have any with me on dates, and being my age and dating very beautiful (hint!) intelligent women in my age range I don't know if condoms are necessary or required or expected. It's part of the 'secret code' of mature adult dating I can't wrap my head around.

Now before you goody two-shoes jump and and say I'm being disrespectful for even considering this issue like it should be a given that every man always has condoms on his person regardless of the situation, I don't.

I fully get that there are possible issues arising from things like STI's, etc. but ffs I'm not talking two high school, or uni, or 20-something randy office workers. I'm taking 50+ mature age adults.

How do you work condoms into a sexual experience such that either one (or both) parties doesn't feel offended or smacked with something unexpected.

Do women automatically expect any man they get with to have, and use, the things?

I date so little and have dated so little in my adult years I've hardly ever had or used condoms and they are very much a taboo topic.