Hi, thanks for your questions. Genital warts are considered cosmetic and not a risk for cancer. They are transmitted through genital skin contact. Because much of a person’s skin comes in contact with the other person’s skin during sexual contact, there is a risk of transmission even when condoms are used.  Many people have been exposed to the virus but have never developed bumps on their skin and will never develop them.  Sometimes the genital warts come out on the skin a long time after transmission so its hard to identify exactly what partner had what when there is no symptoms. Most likely both of you have come in contact with many strains of HPV before including possibly the ones that cause cell changes for cancer and your own bodies have cleared those strains.
There is no specific recommendation to not have sex. Some people choose to wait until warts have cleared.  Some people use condoms to cover area being treated. Some people keep having sexual contact without condoms. 
Gardisil is recommended  for all children before becoming sexually active. The National Advisory Committee on Immunizations recommendations include all men who have sex with other men regardless of age and to individuals with immune compromised conditions ( eg HIV). In Canada, public health is funded to give Gardisil to men who have sex with men until the  age of 26 and to start school vaccination for both girls and boys. The cost of the vaccine for adults  is often covered partially by extended health care plans that consider vaccinations as medications.