I've been in touch with a provider who has good reviews on TER (almost 40 total reviews) but didn't require anything more than my name, age, ethnicity, and a recent photo.  No references or anything.  Also, when we set a date and time, she provided an exact address.  No two call system.  I don't know how to square the large number of reviews with the seeming recklessness of her booking process. Should I be worried?

With the info you provided, the provider could have found out a lot about you.  

Looks like she went indie very recently (within last 2 or 3 months) so past reviews describe agency screening.

A girl's reviews generally evaluate three things: 1) What she will do for money, and 2) How well she does it, and 3) How good she looks while doing it

I'm not sure that giving your name implies lack of screening.  You can find out a lot about people if you know their name.  
 

With a name, photo, and ethnicity a simple google search can produce a lot of information.  The objective for her is to make sure you aren't LE and you say who you are.

Not much is needed to screen someone thoroughly. With your name, email/phone/board handle (however you were communicating with her) age and ethnicity you can get a lot of info if you know how to look. A lot of the time the references that gents give have a slow response time if any at all. You have to find more effective ways to screen using minimal info.