As with everything in life, it depends who it's with. If you enjoy mutual fun, enjoy a sense of humour and the company and your partner is as energetic as you are, it could be great.
I agree that paying someone to sleep is not a good feeling, given the hard earned at stake.
IMO it can be worthwhile to do an overnight if you are looking for a more chilled, longer meet, provided you have similar expectations. A girlfriend could offer this but this may not be an option open to everyone.
Meeting first for a shorter meeting sounds very sensible.