There's actually one more question I wanted to add to this.
So, say I do all that (tested once/year, always use a condom, sex only in monogamous relationships, divulge sexual history prior to sex), do you think it's also best to get tested between partners? For example: I was tested last October and normally would go next October. However, I had protected sex with one girl since last October, and I'm about to enter into a monogamous relationship with a different girl in the near future. Basically, should I get tested in between these relationships as well? Or this getting too excessive?
Keep in mind, I am fairly OCD and more tests does compromise my mental health, but I do want to have it "as good as I can get it while still living a life" as you so eloquently put it.