BBBJ to completion (with or without swallowing) and BBFS to completion.

 
It's not clear from your post which of these you refer to when you state  "exchange of bodily fluids".

 
In any case, the term GFE has come very far from it's original incarnation whereby it referred to having a date with a gal where is would imitate an actual date between a guy and his girl friend.   The actual contents of the session were somewhat a different matter, though some claimed that DFK would have to be on the menu to count.

 
Today it seems to imply anything from greek to BBFSCIP to whatever, and therefore isn't a very good descriptor anymore.

bodily fluids with a provider as long as I'm not also exchanging bodily fluids with her last customer.  Hygiene between customers is the key to keeping GFE enjoyable and relatively safe for all concerned.  This is also why I don't do incalls with ladies working out of hotels.  Nothing kills the mood faster than stepping on semen with your bare feet or encountering a wet spot already on the bed.  If's it's a hotel meeting, it's going to be at MY hotel or not at all.

an experience like one would have with a real-world girlfriend.

 
My experience there is that kissing with tongue is part of it, as is mutual uncovered oral. Covered intercourse is the only type I'm interested in; no bareback intercourse would be in my definition. If Greek is included, it too would be covered.  

 
I'm personally not very interested in a date where kissing with tongue or mutual uncovered oral is not part of the agreement. If I were, then I would expect the rate to be substantially less than what I defined as GFE above.  

 
I have noticed what I perceive as many "newer entrants" to the provider ranks, who advertise as GFE and then deliver what I consider a non-GFE session - at GFE rates. In particular, I mean no kissing and/or covered oral. I personally find this to be quite deceptive.

DFK and BBBJ are the two most important factors for me.  Even moreso than looks, intercourse or anything else.  In fact you could even side step DFK under the right circumstances.  Covered intercourse is fine for me and preferred.  

But yes non GFE for me is not worth it, regardless of cost differences.  

I think of GFE as heavy kissing.  At least lfk, preferably leading to DFK.  Anal and fiv I understand can be more YMMV.  I don't like anal and I always ask if they like it want fiv.

I like to make believe I'm actually on a date.  Like I asked them out to dinner and we hit it off and we're going back to my place for some fun.  So for me that repore, that GFE feel, like they are attracted to me and want me is important.  So I think heavy kissing is a must in order to give that perception.

Bbbj I don't think of as GFE, however I do require it because it feels so damn good.  And I need to be really hard before that cover goes on or it isn't happening.

But I’ve taken to mixing in some FBSM visits with my FS visits.  That presumes the lady will upgrade to include DATY; no kissing, no BJ. And I’m just fine with that, especially given that I’m paying no more than 1/3 the price of FS. But if DATY is not on the table, I might as well stay home. I have zero interest in a standard rub and tug, and equally nonexistent interest in any date without DATY.

FWIW, there was a FS lady I saw back in the day who would not kiss and only did CBJ. However, she happily accepted DATY. I saw her at least 40 times. Maybe 50. For a while she was my every Sunday date. She was one of the top 20 fucks of my life. Every single time. By the 3rd visit I was completely over the lack of kissing and we didn’t even bother with the CBJ.  

Funny enough, when I got her to do a 3some with another lady, she DFKd that girl so hard I thought she’d pull her tonsils out. : j    : )

It's interesting that there are so many different points of view on what constitutes GFE.  I agree that the original meaning was to feel like you were with a real girlfriend as opposed to an impersonal experience.  And now there's a range of what people think GFE means.  But I think the three things you mentioned in the original post - DFK, BBBJ, DATY (NOT BBFS) - are what most clients would say are the minimal expectations in a GFE session.  I totally agree with you that if these are not on offer, the rate should be less.  I have to laugh at some of the postings on other sites where girls offer a "No" list that includes DFK, BBBJ, DATY, and even LFK and still are looking to charge top dollar.  Who is paying these prices??  If you were to offer a non-GFE session at a lower price, I think this would be a great service for those who are looking to meet with a great provider but don't have the budget for a GFE session.  Maybe you would also get some people who are newer to the hobby or are looking for a lower-priced intro to you and would book a GFE session later.  I personally wouldn't go for a non-GFE session because I'd rather pay up and get what I'm looking for if I'm going to make the effort and spend the time to set up a session.  If you go ahead with it, I'd be interested in how things work out.

What is and what is not GFE, and the various connotations associated with it, are to say the least confusing.  I myself would just wish providers could say what they do or do not do.  So, anytime I see GFE, I always try to find out whether it includes DATY or are willing to try an extended DATY only session -- which I really enjoy.  Sometimes I get a straight response, whether its a yes or no, that's fine.  However, sometimes, the girl acts like I'm insulting her by even asking or by simply making a comment that she looks "tasty" -- although that in itself means various things.  Its all very confusing.  

Ok, what's a "TLA?"  That stands for "three-letter acronym." (Oh, the irony!)  

 
There was a time when terms like GFE, Non-GFE, and PSE had fairly reliable meanings.  But no more; these have been adopted by providers to mean anything they think will attract a client to book with them regardless of what level of services, or specific acts they will be offering.  That's their right.  A provider can advertise their business any way they want. And clients are now responsible for asking for a provider's preferences and limits, after screening, but before the action starts.  Mutual consent still rules the day, and it must always do so.  

 
However, from my personal POV, I don't select a provider based on the alphabet soup on their website. Trying to decern if I will get the type of experience I want by reading her ad is, at least for me, like trying to select house to buy from the real estate listing. You have to do a walk-through of the property (pardon the metaphor) and contrast & compare to other options before you commit your time and money.  

 
As a result, I rely much more on reviews to help me select an encounter with a provider.  The ad may generate my interest, but well-written reviews will help me make the choice.  That means I usually won't see a non-reviewed, or poorly reviewed provider.  It also means a lower "score" won't necessarily deter me form booking. Despite a numerical system, scores are nonetheless subjective. While the text of the review can be (or should be) objectively descriptive of the experience.  

 
As to the OP's specific question, my best advice is to offer whatever packages you feel will help you optimize your business results. Develop a marketing/product plan, test it with your potential client base, and adjust or double down based on results.   Then please encourage the submission of honest reviews so you can help potential clients understand your particular value offering.  

 
Life is good

 
The cat

Typically my limit for Non GFE is $350-400 per hour.  I have seen several ads for $500 and up for nonGFE.  I just move on.  There are still so many who offer it in my price range!  Most I have ever paid for GFE is $700 per hour but that was my definition of One In A Lifetime!

Harassing emails

Someone from TER has been impersonating a valued member sending me harassing emails & I feel sorry you have no life outside of TER.

This is what GFE looks like..