... to make the lady you want to see feel uncomfortable. Sure, you could have a cagy, guarded conversation in which you never say anything directly incriminating, and there is probably a provider out there who would find it amusing and stimulating to do so, but (a) if you are prosecuted after being caught en flagrante, a prosecutor is entitled to place all relevant evidence before the jury, and a jury could decide that given the totality of circumstances your cagy convo was the final straw that tips the balance beyond a reasonable doubt. And besides, (b) until you get to know her you have no way of knowing if she will be amused or horrified. So just don't. Until you have met and had an opportunity to size each other up, keep your conversation just as vanilla and reassuring as possible.
As others said, if she simply doesn't give enough info you have no choice but to ask. If her response still leaves you guessing, all you can do is wrestle with the little head to decide if you walk away or roll the dice. You don't get to notice her deposition, place her under oath, and demand answers to your questions.
You also asked if the rule applies 'to all situations or only to conversations with providers that I am not familiar with?' And the answer to that is, very simply, it depends on the lady. With women I like, and who like me, I've had discussions that blow that rule to smithereens. And other women, whom I also like, would be very uncomfortable if I ever broached the subject. It's fair to say that while lying naked and sweaty in bed, many of the normal social strictures are relaxed. But it's still bad strategy to make her feel uncomfortable. So use a little empathy, ease into it, and ease right back out if she's not happy.