When men cheat it usually is just all physical, you simply just want to blow your load get something else from a different woman that you're not getting at home like having your dick sucked on demand.
When a woman cheats its usually emotional, you've been neglecting her, relationship gotten too routine some other guy comes along and makes her all wet just having a normal conversation with her because he stimulates her emotions. If a woman cheats constantly for physical then her chemical make up is all wrong from past history then she cannot pair bond with a man for a relationship.
Back to the question yes you could use the physical excuse but....
- It cannot be with a prossie, due to our moral upbringing people cannot except sex workers so it looks bad, especially that you have paid for it, sex in many ways is transactional but we just tend to focus on that area.
- A civvie you could swing it with a big enough speech, something that will play into a woman's mind especially if it's just a one off that the other woman pursued you, saw you as attractive amongst all the other men and wanted to give herself to you. she wants to compete with that.