As I said before, many punters dont want sex, they just want to chat to a gorgeous naked girl for an hour. Don't believe me?? then ask some of the wgs. Many punters dont want to kiss the girls - so FK is not an issue.
I haven't heard from any WGs on this forum on this subject. TBH I think the majority of men on this forum see an escort for sex, even if it could be for oral only. If I wanted to chat and see a girl naked, I'd use webcams, or visit Spearmint Rhinos - paying just to chat or just for a massage is a total waste of money, the punter in question may enjoy it, but it's not for me; likewise the escort may love it because she has to do very little.
As I have said before you have decided a neutral rating is appropriate for the girl, if I had the same experience it would be negative. For me just because the girl has a big pair of tits or a nice body doesn't mean she can get away with being lazy. You said you prefer FK so the fact she didn't offer DFK could be an issue for you; it is your experiences no-one elses. If I see an indie and she doesn't offer RO, some men may not do it, but I would want it, hence that would be a negative point.
Someone mentioned a neutral rating because of incompatibly or because the punter is tired; to me these would be good ratings, depending on the circumstances. I wouldn't give a girl a negative or neutral because I came too quick, if everything else was how it should be.