This is supposed to be fun.

Most research would indicate that escorts take more precautions (basically condom use) than civies do, so if you think that DATY with a civie is OK, you shouldn't have any concerns with a well reviewed escort.

I have no links to past posts, but this issue has been raised on numerous occasions here and the consensus is that while there is no such thing a zero risk when it comes to sex, DATY is not a particularly risky activity as sexual activities go.

It is one a a series of steps down the slippery road of depravity.  It leads to a potentially pleasurable session for the provider and thus she will secrete more of her germ laden fluids.  She will then lose her mind entirely, and might even kiss you!!  Avoid this at ALL costs as this can lead to a complete infatuation on your part.  You will soon find yourself knocking over liquor stores to support the hobby -  

Honestly, sorry to be a bit off hand with you, but this topic has been raised MANY times, so troll the board (use the SEARCH mode) and you will see the years of responses.  Essentially, while you have a point, the risk is much lower than you think.  Choose a well reviewed (and perhaps somewhat more mature) provider and then let her know it is your first time and you are a bit concerned about these issues.  She will take it from there...but if you cannot enjoy, then it is not worth it.

Alternatively, take your first step by getting a sensual massage if offered in your area.  No real sex involved but it may be just what you need and sometimes, as satisfying.