Im not sure why she 'should be OK' because she charges £100 for bareback?
There's all the difference in the world between a skanky rom offering £80-100ph plus £20 for BB looking to make a quick buck, with a decent SP who (for reasons below) had decided to advertise it for an extra £100 on top of ordinary prices (making this one's hourly rate a fairly lumpy £270).
I don't know this particular lady, but I've spoken to a couple of my regular SPs who are now doing this and the reason they gave me is that in the past, when there was no mention of BB on their profile, they were inundated with time-wasting calls/texts/emails from punters like us asking them if they'd do BB for an extra £20. They got sick and tired of it and decided to put it clearly on their profile that they'll do it for an extra ton and guess what? The calls have dried up. They will do BB at their discretion, but if they don't like the look of you, they won't. They told me only one or two of their punters are willing to pay the full price for BB - 90-95% of their appointments are for the standard covered services.
So, yes, it does change the risk profile - but obviously it doesn't eliminate it.