I guess all that shows that contracts mean different things to different people. As Satan says it's just common sense really.
I don't have one with lisa, & we've been going for 8 or 9 months now- we may have one someday. We have a simple verbal agreement.
I did have one with my first girl, more to keep her on the right track with her life if anything.
As far as online contracts go, there's tons of them, just do a search for 'contracts BDSM' or something.
Ultimately though it's just what the two of you decide.
Tojo