This is actually an interesting point ques. You pretty much pay for the variety, if I had a platinum AmEx it would open the same amount of doors and legs for me, punting just takes the effort out of it. I think you've been seeing the wrong civvies from my experience in a "loving relationship" most civvies will probably allow filming and all will allow you to cum on their tits or lick you out; and not all prossies allow basic shit like DFK, COB and RO.
My ex was ok with some of that stuff but just a bit too vanilla for me - and before that most of the civvies I dated were even more vanilla. We all make mistakes.
I was keen to explore some kinkier stuff - some of which is quite extreme and I'm not even sure it's stuff I will be into long term - just stuff I want to try. And there are lots of fairly random things I'd like to try that no single civvy relationship could possibly provide (unless a girl can change her age, height, weight, colour, race etc at will...).
I haven't got the time or energy to date dozens of civvies to try and tick off all the items on my list so right now I just want to enjoy the freedom of fucking who I want, when I want, how I want and although of course all escorts don't allow all the services I'm interested in there are more than enough seriously hot wg's that do.
And having had a few disastrous punts, a few blah punts, I am indeed very grateful for all of the fucking awesome mind-blowing punts I've had over the last 9 months. If being grateful for having some of the best sex of my life makes me a fluffy cunt, then as I said before better a fluffy cunt than just a cunt.