You need to look at the pros and cons of the whole situation. Cons: it smells and tastes kinda weird, looks a little strange too. Pros: you get head, your girl is happy, and most importantly, if you are half decent at it and you make her feel good it takes a ton of pressure off for sex, you can win before you even start playing. Don't be a patsy about it either and flick the tongue while your fingers do most of the work, it sucks for them just as much as it sucks when a girl half-asses head and uses her tongue instead of her mouth. If you feel comfortable putting your dick somewhere, you should be able to put your mouth there first.
Grow out your hair, give her something to grab on to, and go to the all you can eat muffet. If a girl is hygienic and landscaped I actually like going down on her more than I like getting head; the male orgasm is a near guarantee, the female orgasm is more rare and handsomely rewarded, plus word will get out among the female population that you go down, and that is a quality women look for.
If you are still scared to spit shine her snatch, really your only other road to a beej is to buy her diamonds, cause then she pretty much has to.