If somebody does not consent to sex, then continuing is rape. It does not matter how far into it you are. If somebody does not consent to bareback sex, then continuing is sexual assault. It does not matter how far in you are. Consent is something that can be re-evaluated and retracted. If it begins to hurt, do you believe that you still have the right to continue until ejaculation? If you begin introducing weird elements like calling her your daughter, do you believe that you still have the right to continue until ejaculation? If you find that the curtains are open and the neighbour is staring at you through the crack, do you believe that you still have the right to continue until ejaculation?