I can understand wanting regular sex without other obligations, and I agree that a vibrator doesn't give you the experience of being with another human body, which is what really good sex involves.
But, I don't see why paying for it will guarantee quality. You will still have to find someone who suits you in terms of looks and so on, and that still doesn't guarantee you want them. I've met guts who totally work on paper, are good-looking, and then in person... just can't imagine shagging them, and I am not hugely fussy. I've slept around a lot and been swinging.
Just get a FWB or fuck buddy - there's an Internet full of men who want sex without all the commitment of a relationship. They're choosing to do it (though quite a few will already be in relationships, a fact they may fail to mention, and will almost definitely have failed to mention to their partner, which is why people are suggesting FabSwingers, though that might still not remove thst entirely, as an ex-swinging partner of mine put me on there without my permission.)
Yes, there's still a risk, but how is that reduced by paying someone? It's meeting a man on your own which is the risk, and if you want sex with a partner (and not in a group), that's always going to be a risk on first meeting. Though if you go to a swingers club, there are usually the options of private rooms, too, and you don't have to have sex at all.
Just be open with what you want - Tuesdays and Thursdays between 7pm and 10pm in Town X, or whatever. Men who actually want relationships can then swipe no. You'll still have loads of offers.
I just don't see how paying for it would guarantee quality or safety any more than getting it for free.
And all of that is regardless of the fact that if you're paying for it, it is not freely given consent and is therefore unethical.
There is also the option of celibacy. Not having sex can be very frustrating and you may be less happier as a result, but it doesn't actually kill you, and it means you're not exploiting anyone else.