So the consensus here seems to be for a n00by to look for a well-reviewed independent.
Okay, and there seem to be a few good ones, but I don't think I should rule out agencies altogether. For one thing, ALL of the agencies I've inquired have returned my e-mails and only half of the independents have. Also, one madame went so far as to ask what I was interested in, and recommended providers she thought would meet my needs. This one act alone will probably get my business, but probably not at first.
I have also discovered that providers like to be treated like a date. That is, they may SAY it's a business, but seem to respond better with flirty sweetness as opposed to a more frank, businesslike style of, say, making a dentist appointment.
(WOW, I learned something all by myself - at least I haven't found it here in the n00by posts yet.)

So now my thinking is, should I go with a fatter, less expensive provider? Or should I pay a little more and look for someone I think is attractive...  assume both are well-reviewed...
My thinking is a cunt is a cunt is a cunt, but maybe those more experienced (clients and providers both) will have something to say.

thank you