I should have stated the obvious exclusions, like locations with minders, trusted locations, well-reviewed/trusted SPs. So this would just be for those sketchier TOFTT locations. For these, the only thing that I currently do, is that I don't undress until she arrives back after stashing the cash. Someone had recommended this before after a guy showed up in the room in an extortion scam. At least this way, you're not caught with your pants down.
I suppose it will depend on the context, and the feel of the situation. But I'm not always good at thinking on the fly, so it helps to have some potential strategies in place. This was the context I was thinking of: "While I waited in the bedroom I heard the front door open and a conversation took place between Natasha and a male. At this point I knew I was probably in deep shit. I tried to leave but was barred from doing so by a burly black guy."