When you think about it, OTC-ing can be fairly dangerous. There are a lot of potential hazards that you might not even think about.
Sure you have the possibilities of catching some communicable malady, but other not so obvious perils.
Some of the worries I've had are; BF or SO showing up and making trouble
BF or SO finding out and contacting my family
Blackmail
Something happening to the dancer after she leaves my hotel, but since I was last seen with her, I'm a suspect in the disappearance
Possible sting operation
Theft (in fact once in Houston, I had a VERY excellent time with a certain Amanda, and the next morning, when I couldn't find my Visa card, I freaked and canceled the card. Of course I found it when I remembered that I'd hidden it the night before so that it wouldn't get stolen (DOH!).
Any others that I missed? Any bad experiences?


FONDL is correct. As far as escorts go there is no reason to buy a pig in a poke. There are many review boards that will help you separate the good from the bad.
Time limits vary but independent ladies are generally not as restriting time-wise as agency gals. I have a great lady in Philly who I see when I'm working in the area. She comes to my hotel room, we go out for dinner or drinks, then go back to the room for the main event. She almost always stays the night. She charges me for two hours. Are all escorts this generous with their time? No, but a little research goes a long way. The "one and done" ladies are out there, you gotta watch out for them...