Your experience is certainly not mine re: rates. In the NorthEast and Left coast at least, rates that were $300-$400 ten years ago, are now $600-$1000 and even higher for Indy's, with agency rates being approx being 50-60% of that.  

 
In fact, much to many ppl's surprise, rates went up after Sesta-Fosta, and not down as predicted by many, including yours truly. I am not saying you are wrong, as I am not familiar with rates in the Midwest, but if there was a price deflation, yes, good for you. lol

 
As to your main point, p411 can be a Catch-22 and many girls now are asking for more than just p411, but again, that is a regional thing. As Pandarus stated, p411 is no longer gospel among many on twitter as some want RW info on top of the P411 info.

 
The way past it is to opt to go the RW, personal info option, that many girls offer. Some combination of your real name, real city, employment verification, cell phone, Linkedin, etc.  

 
This is NOT something I necessarily recommend, mind you, but you have to evaluate the risk in doing so vs the benefit of "getting back in the game" so to speak. Giving your personal info to total strangers greatly increases your risk but, since you have been gone for so long, you have to start somewhere and total risk avoidance is almost impossible.

 
Another option some girls may offer is a paid lunch or coffee, where they meet you in a public place of the girls choosing, check your ID, get to know you a bit, etc but I find this has become a much lesser used option in recent years but it cant hurt to ask.  

 
Usually, a "date" like this is platonic, but the girl would normally want something for her time but often less than her stated website rate, but that varies greatly from girl to girl.

 
Good luck and welcome back!