This is only my perspective and others will likely disagree on some points--there is as much art as science to these encounters and different providers do things differently. With that disclaimer:
When I see a girl and I don't see her appointment prices listed anywhere, what do I assume about that? Does she charge more than usual?
I have never seen a provider who did not list her rates in an ad, profile, or showcase. Having to ask about rates over the phone or in an email carries too much risk. Now, if I'm looking for something not exactly covered by her listed rates (such as an odd time length), I may have to clarify that. But I would avoid ads that don't list rates.
What else do we need to discuss?
This is where screening usually comes up. Also, some providers communicate mostly by email, especially through P411, so there may not be a phone call until you arrive at her location.
Do you think there is any truth to that? Is it a good or bad idea? I've never done that and it probably wouldn't help. She may have some ritual to go through to "verify" that
you aren't employed by local government, but none of it is very effective.
I assume if she makes any comments about the envelope or ask me questions about what its for, I should avoid answering. That would be a bad sign from her,
correct? I should basically ask for the envelope back and leave.
Is that correct?
She may or may not count it. The only questions should be if the amount is incorrect. Also, any specific discussion of services until you are "comfortable" should be avoided.
Is this pretty typical or does she talk more and ask me questions?
YMMV. See above.
Am I free to state my desires and intentions at this point, or will she feel free to ask me?
I usually just start with "May I kiss you?" after a little chitchat, and take things from there.
Is there anything I need to know about how to end our session properly ie. proper etiquette?
Keep an eye on the time and be ready to leave when your time is up--don't make her kick you out. If she wants you to stay and chat or something, that's her choice.
Be polite--if you had a good time, tell her so and thank her.
If you're planning to do a review, you might ask her if she's okay with it--I've never had a provider say no, but a couple of times one has asked that a particular activity not be mentioned because they don't want everyone they see to expect it.
Hope this helps. Have fun and be safe!