I've always said the rental program is the way to go. Why risk your job, your career, your spouse with an affair or lawsuit in-house. I guess at the end of day Matt Lauer still has a shit ton of money as does Weinstein and most of the Rogues gallery.
That being said, rental program didn't work out for Spitzer, but he was an idiot about it.
I think guys are weighing the options. Upon investigating the choices discovering pay-for-play is a viable and cost effective choice. Compared to divorce, losing their security clearance, losing job, sexual harassment suit, paying up front is far cheaper than paying later.
As far as pricing. The young tall thin blonde hair blue eyed blonde, or young gorgeous big boobed spinner will always pull a premium. "Immigrants" i.e. Russians and Asians at agencies will be on the lower end of pricing. Agencies make profits through volume, independents have more costs associated with them, so have to make it up in pricing.
Personally, I tend to agencies because of the hassle factor. Too often independents flake, screening takes way too long, and the price differential isn't always worth it. With a quality agency, I'm pre-screened, avoid NCNS, and don't have scheduling issues.
I'll date a 'name' brand every now and then just for the novelty. I don't need a Ferrari convertible to drive to work, but on the weekend its fun to rent and go for a spin. Every day use, a Lexus is just fine. I turn the key, it starts and goes. No fuss no mess.