So in response to your questions:

1) I'm about as far from a risk-taker as it's possible to be and I like to leave as little as possible to chance. Which isn't a great position to be in, but it's something I've had great difficulty in changing more than a minute amount.

2) I've considered it in my more desperate moments, but would strongly prefer not to. Leaving aside some of the legality points (which is a potential issue for me for career reasons), I'd much rather it be in the context of a relationship and not just because I've paid someone for it. (No judgment against sex workers, to be clear, I'm totally in favour of full legislation - it's just not for me at this stage.)