I know everyone's situation is different.
I signed up for AM years ago just to browse and have imaginary affairs in my mind. Cost me nothing and all they got out of me was my punter email which by the way is on the file, I checked.
When I realised it wasn't an affair I wanted but just a fuck, I discovered AW via a one time agency escort punt (great girl, massive tits). My details on AW are the same as AM but I have used my CC to purchase credits and won't ever again.
Am I worried, yes and no. I like my life just as it is, in excess of 30 fucks a year with some fucking amazing women. If somehow my CC details were exposed and it got back to the missus I could have an ugly time of it. But once a punter, always a punter, no matter what I will never go back.