1 - Fear to get ill or a disease.
2 - It costs a lot of money.
3 - You don't want to feel like a loser who need to pay for sex.
4 - Having sex with a stranger or someone who doesn't like it doesn't feel good.
5 - They fake it too much.
1. More safer sex than non-paid sex on average.
2. Yes, this is a genuine problem. Someone posted here that the price of prostitution compared to Victorian times has increased a lot, even though general living standards otherwise are much higher.
3. He already feels like a loser and the need to pay to obtain sex is obvious, if virgin still at age 45. Involuntary virgin at age 45 is already massive loser.
4. Better than rape, buy GFE
5. One can tell beforehand about one's preferences.
Only real problem here is the cost.
You need a car to see hookers.
No, you don't need a car. And OP has a car.
The only real question is, is that experience worth more than what other things you could do with that amount of money?
For me it means that I must weigh whether I am willing to part with 250 euros (my disposable income of a few months) or do something else with 250 euros. (250 euros is the minimum price of 1 hour of Finnish "escort", double the prices in Germany, 30 min would be 150 minimum, but I learned that the women demand shower first at their place and it consumes the time)
Only pick an "escort" that has good reviews and not fake pictures.