I agree with Johnny, seeing sex workers is all about full service. I do also get SM maybe 25% of the time but that's because I feel like lying back and letting her do the work and also because I genuinely like the girls that I see. But I expect to pay more, and will pay more, to f**k. I'm an older guy too, but I am assured by young women that there's nothing out of the ordinary having paid sex with someone a generation or more removed from you.
FS seems to have higher highs but lower lows as well. SM is usually always pretty good but you can have mediocre experiences as well. With SM you can also book way hotter girls that would usually never do FS. Just depends whatever you're in the mood for. I've been into SM lately after some poor FS experiences, can't really say one is straight up better than the other.