Hey Jessica,
Independent girls (such as yourself) have an advantage, because you're very established and professional, you know the ins and outs of the industry and probably don't take a lot of BS! (Call me if you ever need an assistant, heh heh

)
One thing I learned very quickly is this industry isnt black and white, there's no definite good or bad. Agencies aren't the same as indies, and one thing I also learned is there is no definite "good" or "bad" people. Everyone is a very grey area, and I get a lot of the nice, respectful clients but every so often we get weirdos that will call 15x in a row, breathe heavily into the phone, scream into the phone calling us whores, no shows etc. (Even though I just answer phones and the bad clients get blacklisted right away if it's a bad date)
Bottom line: I put up with a lot of BS from clients that the girls don't have to, since i'm the middle man a huge part of my job is to weed out the assholes so the girls and clients have the best experience possible.
Services that are borderline safe like DFK, DATY I always tell girls to use their discretion. Despite the fact that DATY is less intimate without a cover (I tell them they can cut a condom in half), it's their bodies and lives that they need to protect, and the clients as well. I always tell them to try to minimize the amount of bodily fluid exchange and try to lead as healthy lives as possible (no drugs, always use protection and get tested regularily)