Attn: Hobyists and Providers

Based on my research of prostitution laws in a few states, I see that definitions of that P word vary from state to state, but generally it seems that if the following rules are adhered to, then it is NOT illegal:
1) Nothing of value (money or otherwise) may be exchanged for contact as defined in (2) below...

2:
2a) Physical contact of either person's genitals or anus
2b) physical contact with breasts

Whereas 2a applies in most states, 2b only applies in some states.

Thus, if I am in a state where 2b does not apply, then aren't I completely safe from the law if 2a is avoided?  In other words, if I am a man, and I am paying a woman, and 2a is avoided (we both keep underwear on [but are otherwise nude] and keep our hands away from those genital zones), then any other skin contact (chest, arms, legs, mouth) is 100% legal, right?

In addition, I am wondering if there is a discrepancy between what is strictly defined as legal versus what police enoforcement tends to look for or target when on a quest to arrest, so any knowlege on that subject would be appreciated also.  In other words, even if I know I won't be convicted, I don't want to risk getting arrested either.

Thanks!
Anonymous (considering joining the hobby)