As a reference check the Atlanta board (early June) for some thoughts from that general area both provider/hobbyist.. I believe it was discussed not too long ago on the Vegas board as well. You will get many different perspectives. Here is mine...
I recently found myself in the same scenario wondering whether or not to take the "plunge", okay, spend the dinero for an extended (12 hours) and/or an overnight..
It really should be with someone you've seen before and have made a solid connection. There is a hell of a lot of difference between 2-3 hours of private time (my normal fun) and staying with someone for 12 hours or overnight. Do your research and invest a little upfront in the shorter time frame to make sure it is someone you really would like to be around for an extended period of time. Most, not all, will require a certain amount of public time followed up by private time. This is important to understand as well as work into your plan for the time.
My opinion is you are taking a hell of a chance on both sides if you schedule an overnight with someone you've never spent any time with at all. Have people done it and had a great time, absolutely. As you stated though its a luxury that a lot people have to save to achieve. It would be bad to have an extended period scheduled with someone you've never spent time with only to discover that you really don't have any connection.
My two quick scenario's (yes I've done a 2nd one since the 1st one if that says anything) and yes I would repeat both especially the 2nd one.. I had already seen both ladies for a multi hour visit prior to doing the extended with either.
1st - Was more of a concert/dinner/date followed up with private time back in the suite. This provider doesn't do overnight and is clear about not waking up in your arms the next morning, but I knew that going in. We had a fantastic time both in public and in private. Cost is there, but it worked for me and all of the time was spent awake and enjoying each other.
2nd - This was a true overnight and I loved every minute of it as we never left the room..Her choice.. I offered, she would have none of it.. It was non-stop all night and we never even dozed off. I honestly didn't realize I had it in me... Again, not inexpensive, but there was no time spent sleeping with this one (this is not the norm by the way, most ladies will build in a certain amount of sleep time and I get that).. The trade off... Due to some work related issues the following day, I wound up being up 40 hours straight before I got some sleep.. that hurt, but I'd do it again tomorrow...
In summary... Yes, absolutely worth it in my opinion with the right lady and I look forward to spending some extended time with more ladies down the road. A little research goes a long way and you are on the right track asking additional questions here.
My 3.5 cents.
Have fun and enjoy your first extended when it happens. You will be nervous as was I especially for my first one. The rest will be a little easier as time goes and you will be a little wiser too. I'm looking forward to and doing research for another one down the road