Not to mention, a provider's private incall is usually better stocked for um.. activities.
Once you get to 3* and above, there really isn't much difference to most people.
I say, get a hotel that is in your budget(or under and hobby more), close to your personal plans, and just go out to see a lady at her place. I personally prefer to sleep in a bed that is all mine, but you might like a lady's perfume to linger on your sheets.
Work on getting your references up ahead of time. That will be the most limiting factor in your hobby success.