I’m a younger punter as well, and while I’ve felt this sentiment sometimes, generally this isn’t the case for me.
I do get the occasional “shouldn’t you just get a girlfriend?” comment (and this is generally from younger girls, especially EEs who tend to be more blunt) but as far as I’m concerned, they’re service providers and a good service provider of any kind doesn’t grill their customer on personal questions.
I don’t think you should have any problem about personal appearance, because if you’re 28, odds are they routinely see much worse looking older, fatter men – that’s part of the job – as well as other young men who aren’t good looking (especially given the impact the rise of post-2010s online dating has had on sexlessness among young men – I asked a prostitute once about her client demographics and she said it was about 40% men under 30 nowadays). You pay them to overlook all that, and that’s what they should do.
I agree that if you see a MILF (or actually anything that’s not a normal vanilla young white girl – black, East Asian, domme, TS, etc) it’s easier to play it off as a fetish thing and you just trying to “reach beyond the women you normally get”. But that’s ultimately just ego-driven, and you don’t owe these women explanations at all. You don’t ask them for explanations as to why they’re sucking random men’s cocks for money.