I made up the term "SWE", if it doesn't already exist, to parallel the two well-known terms: GFE and PSE. I once had an SWE session with who I thought was a reputable provider. (I can't list names, but if you look at my reviews, it's the only 6.)
Who here is a question from a ignorant newb 
I know this is all subjective depending on the girl but if the girl is non gfe what am I expecting? Is being a non gfe a bad thing?
A commonly cold and mechanical menu of ala-cart items with no kissing, and little or no attention given to 'social' interaction.
Craigslist is rife with the "H E" although they are commonly touting themselves as a GFE.
It is not necessarily a bad thing if all you seek is to fill a gal's gullet with your goo and not spend the equivalent of a modest car payment to do so.
I made up the term "SWE", if it doesn't already exist, to parallel the two well-known terms: GFE and PSE. I once had an SWE session with who I thought was a reputable provider. (I can't list names, but if you look at my reviews, it's the only 6.)
The reviews on TER are the best source of info- as ones that call themselves GFE sometimes aren't.
My three experiences have been one true GFE, one SWE, and one full service but not GFE.
The SWE (streewalker experience) was great sex- she was hot looking, actively participated in making me cum, but didn't allow any kissing, really didn't want her body touched- just wanted to do CBJ and dick in vagina- wasn't what I was looking for, but she did get me off.
The one that was full service, was very nice and a sweet person, allowed light kissing, let me explore her whole body and gave great sex, but I could tell it was just a business to her- there was zero connection.
The true GFE was awesome- even if it was all a well done act, she made me feel good, lots of LFK and DFK, we talked a lot during the "in betweens" and it was fun. I found her through reviews.
Now, I know to really search the reviews for consistent descriptions of exactly what I am looking for.
If there were really truth in advertising, it would become a very common term on CL
LOL- truth in advertising on Craig's List.
Craig's List does have some minimal use to me- a couple of well reviewed provider's post ads on CraigsList when they are available right then- helps me find a short notice visit.
The worst thing about Craig's List for me besides the volume of low class providers and possibility of LE sting is the incredibly gross pictures some of the ones post- I open an ad and almost barf before I can get it closed again!
I too have had sporadic success on CL, but as you say. low class providers are the rule. It's fun to find the jewels, but it's no place for a newbie.
It's also IMHO no place for anyone who hobbies infrequently or who is on a budget. When I get in the mood I might see four or five different ladies in the course of a week. If I run into a bad one, no big deal. It might ruin my evening at worst, not my month.
Worst of all is the EWE. No, it's not a Scottish thing, an Ex Wife Experience is when she takes off with all your money and leaves you with nothing.
I have experienced a non GFE provider and she actually advertises that way.
She was very proficient at what she did but I would describe the whole experience as being very clinical and totally void of any type mental or emotional connection.
The funny thing was she charged the same amount as others who gave incredible GFE experiences. Personally, I feel there is no comparison between the two experiences.
To many on this and other boards, the term GFE is measured in activities such as LFK, DFK, BBBJ to name a few. While the addition of a cover for oral and no deep kissing is not what an actual girlfriend would do, there is no reason why the lady can't be attentive, affectionate, non clinical and make you feel very wanted and desired and keep her level of safety where it is.
If it's the alphabet you're after then GFE means the inclusion of such and you might want to read the reviews and only choose those who provide it. If it's the emotional connection, sense of fun and the physical minus the unprotected stuff, then that can be termed GFE also.
Personally, I am more inclined to go with the definition of GFE that contains the activities that swap body fluids as in reality that's what a girlfriend would do...at least eventually.
I do think it's mighty unfair to label all ladies that won't swap body fluids clinical, when I'm sure there are a few out there that are more than willing to be affectionate, fun, attentive and make you feel great. However..you have the money and the time..use it as you will.