Do I feel guilty?
Sure, but less than I feel worried that I get caught.
As I'm sure many of you have, I've had conversations germane to this with a couple of whores, both of whom (and I agree with them) believe that a lot of punters go to see them because they love their wives, knowing it's a lot more secure than an affair.
One regular (bless her) told me "you aren't paying me for sex, you are paying for my discretion "
That made me chuckle