What works for me (and has for many years) is to start with a good, intense, clothes-on snog: just like an actual "hi honey, I'm home" GFE, so your todger is bursting to get out of your trousers rather than limply waiting for some kind of medical inspection. The old-fashioned approach where she asks you for the money and then leaves you alone for some unspecified period of time to get undressed was always a huge turn-off for me. Fortunately, most good independent WGs don't do it that way these days. My ideal punt is with a lady who is good at DFK and is happy to start with that as soon as I'm through the door. (If I need a shower before we hit the sack, I can do that next.)
Cheers!