You've got to trust your own judgement, if in the future you think you've missed an opportunity you will spend a long time beating yourself up.
There's not real difference between a WG and other girls, some will take you for a sucker and some won't and has been said many times, WG's are more honest in many ways. Despite what some like to say, WG's are human too.
I've taken the full plunge twice, first time didn't realty work out (lasted about 9 months), second time did (3 years), 50% is a better percentage than my record with civvy street relationships. A third attempt didn't get off the starting line as a proper relationship but we were ordinary friends on and off with the occasional punt and a few favours both ways
WG = A person who exchanges money for sex
Punter = A person who exchanges money for sex
Which one is the damaged goods and an STD risk????