If you are genuine in your post then two observations....
1. You are still young and many people still have their virginity at 18 so don't fret, as to being horny 24/7 there are ways of curing that, which don't include running into losing your virginity to an escort.
2. I recommend you don't lose your virginity to an escort, not because they aren't the most beautiful and accommodating women you will ever meet, but exactly because of that. If your first full sexual experience is with an escort you will have expectations that will make every other experience a disappointment and you may find yourself in a position that only paid for sex will be gratifying, so don't go down that path.
As for being a sloppy kisser and afraid to go in for a kiss, don't fret it the worst that can happen is that she will refuse and you move on, if however she doesn't you might just be the best kisser she ever met, or if she has feelings for you she will advise you of how she likes to be kissed.
only my tuppence worth.