I just did a little study of my reviews.
Out of 25, I have had 2 truly bad experiences: 1 was a ripoff (my only one) and one was just a bad, unsatisfying encounter with a girl who was attractive but obviously a druggy.
Performance-wise (besides those 2) I've given two fives, six 6's, seven 7's, five 8's, and three 9's. I consider a 7 worth repeating, so 15 worth repeating, 10 not.
Out of those girls that I have met TOFTT, six of them have become good friends, OTC or FWB lovers.
Six women I have met and reviewed that were well known, reviewed providers averaged about 8 in appearance and 9 in performance; no bad experiences.
Obviously, sticking with known, reviewed providers will yield better results with less risk. However, I live in a small city and low traffic area; well-reviewed providers are few and far between (or far out of my price range). I don't advocate TOFTT, especially not for newbies, but in my situation - it works for me.