That's fair enough if you feel that way. I can see where you are coming from with that but I don't like OW. I do draw the line at kissing though especially as she's probably been sucking a dick just a few seconds earlier 
But isn't this the whole point about punting? You are subjecting yourself to sex with someone who has no feelings for you whatsoever and sucks and fucks for money, nothing more. Whether you are putting your dick in her fanny, arse or mouth, you do so knowing someone else has been doing similar before you. And when you kiss her on the lips or DFK with tongues, you know that some other guy's dick has been in that mouth minutes before. She doesn't love you. She doesn't even like you. She probably finds you repulsive just for being there, paying for something that, if you were a half-decent bloke, you could be getting from free in a relationship.
I got interested in this because I quite enjoyed the first massage I had when I was offered and accepted a happy ending. But as to having full sex, or snogging, with some parlour girl...all I can say is, be careful. Especially if you have loved ones at home that would be devastated by such behaviour. A mate of mine gave his wife genital herpes as a result of shagging around with slappers.
A massage - a tug...well, it's still not very good if you were to get caught out. But if you're going further than that I think you are taking an incredible risk with your health and your happiness.