If you're using Viva Street for your TOFTT, then you'll often be met with a b&s. It goes with the territory and you take your chance, so you're better trying unreviewed SPs on AW or Parlours.
On arrival, the decision is yours and depends on if the switch is shagable, particularly if you're a bit desperate, maybe dosed up on viagra and no reasonable plan B.
Having said that, the wallet in the car has always worked for me.