It might have been my comment you saw, so I'll respond.
There have been cases recorded here - admittedly very few - where an escort has turned up at someone's house and ripped them off, with a pimp in tow.
Also, instead of having call girls turning up now and again, it keeps our hobby secret for those that want to.
You clearly don't mind about that and have been very fortunate. That's your prerogative and everyone makes their own decisions.
As has been said, it's not paranoia, but taking reasonable precautions and, like everything in this game, reducing risks.
Just because I don't do my hobby in my home, doesn't mean I don't enjoy it; in fact, it's more fun and interesting going to different and strange places.
Not sure it was your comment. Anyway, with regard to someone turning up with a pimp in tow or otherwise ripping you off, as you say if it happens, it's a vanishingly small percentage of the time. Not enough to worry about. I've been ripped off (far) more often by tradesmen than outcall prostitutes in my 39 years as an adult punter. In so far as yes, .01% of the time it can happen then yes, by all means take the precautions you see fit but I would suggest that not doing outcalls to your place solely because of fear of being ripped off is not a response appropriate to the risk. Of course, it's entirely up to you which decisions you make for yourself and I wouldn't attempt to influence them. I'm just saying let's be objective about the subject matter.
In terms of keeping our hobby secret obviously being single and not being friends with the neighbours beyond the passing acquaintanceship inevitably involved, domestic privacy is not an issue for me in that sense. If the neighbours know the odd call girl stops by, as noted I really don't give a toss. If I was married then obviously I wouldn't do outcalls to my home so I understand why those who are married (or in a relationship) don't! I think we all know that. However, the reason there is that you have something to lose; not that a call girl is likely to rip you off. Incidentally, a woman I "met" on POF came by one night last year. We had sex. Haven't seen her since. So does the neighbour conclude I'm a scrubber or I use prostitutes? No difference to me either way.
With regard to preferring new venues and places well, that's a case to each to his own. Of course, if you prefer parlours then fair enough: Who am I to judge your taste? My feeling though -- and this is personal -- I'm just airing what I've experienced (which, surely, is the point of the board?) -- is that no venue is so conducive to a good punt (for me, but often for the girl too) as a clean, comfortable and cosy home in which you both feel relaxed and there's no maid to knock on the door or other punters to avoid in the hallway. When I've been in relationships in the past my punting has been done in parlours and, for me, there's no comparison. Sex in a knocking shop can be good for sure, but it doesn't compete with sex in a spacious, laid-back, "amateur" environment. For me, anyway.
I have absolutely no desire to win some sort of "home is best/parlours are bad" argument. Each punter will make his own decisions about where to punt. What I did want to do with my comments was air the side of the argument I took from the perspective of my own experience. What readers do with my insights and comments is up to them.
Back to the initial point: Any time your response to risk is overstated, there is a degree of paranoia. Protecting your privacy isn't paranoid. Imagining you're likely to get ripped off or beaten up by an outcall escort is (in my opinion.)