I'm an escort but not with an agency as I won't work for any pimp. And let's be honest, this is what they are.
Yes, they may vet them, but it's also something you can do yourself. Saafe is a good place to start to get the info. But there are still risks even with an agency. Plus if you talk to those that have used or still using agencies they can get very demanding about you seeing clients. As well as their cut (which 30% is an awful lot) they can also make you pay for their driver that they insist you use and portfolio pictures (which from experience John's prefer natural, unbrushed stuff).
You say you would be doing Incalls - so is this to yours or their place? Their place if there is more than you then it's considered a brothel and you are committing a crime.
Someone said bunging hotel staff a bribe
I work hotels a lot (outcall) and never bunged anyone anything. I show up and meet the client and leave. I don't even see staff as you nor the John ever go to the reception. When I use them for incalls when I tour, never bunged anyone anything, clients get the room number at a certain time and come straight up or we meet in the bar or outside.
You are naive if you think that the time won't include sex. It's very rare that guys pay someone for conversation and a meal. I'm not saying it never happens but it's very rare. Can you sleep with an overweight, sweaty person? Old guys? Suck their cocks? Rim them? Agencies and sites like adultwork cannot promote sex work, hence they are paying for your time. What happens during this time is up to the two (or more) consenting adults.
I won't do overnights. This comes with added risks even with the vetted agency guy. They can rob you as you sleep (it happens). And at worse they can slip in when you sleep, going bareback and putting your health at risk.
Johns are very critical about escorts and the services they expect. They have a forum dedicated to giving FB and can be very critical, have a read on ukpunting. Could you read critical stuff about your services and not get defensive? As this riles them up further. And yes they also review agency escorts.
If you go indie, read everything on saafe. There are good tips on how to vet. And always, always take cash up front. Don't agree to payment after or a bank transfer.
Money wise - agencies escorts are very expensive. John's are a mixed bunch. Some like the agencies because they are guaranteed services on the escorts profile. Yes, you will have to state your sexual likes. Limited accounts get paid less because they aren't seen as value for money. Escorts with limited likes also get fewer bookings. Even with an agency, there is no guarantee that you will make cash every week. They will claim that they do, but they really cannot as they don't know the clients' funds. You will also have to factor in your periods unless you are going to use a sponge or something, you are effectively unworkable as they won't pay high fees for a bj when the local escort offers this for £50. I clear about 3k a month after expenses (a decent range of condoms, lube, water massage stuff, travel, hotels, clothing and food/drink when touring, plus money for the taxman).
It can be lonely. As you have seen people are judgemental about this work. So if you tell friends/family not only do you have to trust they aren't judgemental but that they won't out you. I'm very lucky in this sense as my friends are very open minded.
Find a local GUM clinic and be honest about what you do if you start. They will give you a full screening each time. Even with the use of condoms, you have to be careful as herpes, for example, is a risk. Any offers of bareback run, they will tell you they are clean, even show papers that they are clean. This doesn't cover incubation periods for HIV and chlamydia for example. Nor does it cover then fucking someone since they were tested and contracted something. STD's are rare as long as you take precautions, we aren't all diseased riddled lol.
Realistically what would you do if a John got violent either physically or sexually? This is a risk we face constantly regardless of indie or agency.
You will also need a watertight cover story to explain your income to those around you.
Oh, and you don't have to have your picture plastered everywhere as someone suggested. I don't have my face just my body.