I try to keep things light. To me, this needs to be flirty, fun, and pleasurable. If this is a business to her, I don't want to know. If we can't come to an understanding in 5 minutes or less than I'm thinking this isn't a good match for me.
I don't do arrangements, I only do PPM.
I won't pay more than 400. My best SB so far was 250 and lived a mile from me. I bet 400 is a lot more than the average SB is making at their job in a day. And if they want to wait for someone to pay more, well then that is their prerogative. I leave it with "I'd love to see you so give me a shout if you change your mind."
I am happy to pay for dinner or drinks if she wants to do a M&G. If there mutual interest, then my contribution will already be decided.
I won't pay for a room.
My philosophy is this, Let's have fun and some laughs, and I'm happy to contribute to your expenses. You can do what you want with my contribution; Pay some bills, buy some books, get a tattoo, whatever. However, I'm not responsible for your financial stability. My guess is that she's going to spend it, but my hope is that she puts it away.
Be safe.
Just my .02.