I have always wanted to do this but there is always that fear of it being a set up and getting arrested.
As said a thousand times on this website, whenever someone says this exact same thing: "if you have doubts, don't do it.". There's many other risks doing something like this, and running into a cop is the least of them. And really there's no sense in going ahead with it, if you're built up with so much anxiety that you probably won't be able to perform right.
Nothing illegal about paying for someone’s time.
Horrible mindset to have. A turn of a phrase won't save you from the letter of the law, even if the cops outright said they don't really have any interest in busting prostitution....
Three ways to truly get busted:
1) Doing it in public... a parking lot, a park, the Starbuck's washroom... someone will complain and call the cops over.
2) Going to brothel... usually operated by organized crime groups, if the cops are building a RICO case, you could get caught in the cross-fire, mid-coitus when the place gets swatted.
3) She's underage... obviously self-explanatory, and the only reason the cops would go out of their way to set up sting operations.
... in other words, the cops won't go out of their way too much for anything elsee, unless you're being loud and obvious, then they have to stop it.