If you use a well known agency the risk are very very low im sure. I mean you knock at the door, you know the girl aint a cop from the start, so what could happen. If police arrive, what prove your having sex for money? I mean how its illegal to go see the escort at her room, but legal to have her in YOUR ROOM... in the end it all come to the term of who paid who... and until that happen... cops have no proof... People come and go in hotels... i have friends that visit me in my hotel when im in montreal, usually before going to a bar or whatever. A private house may be different but well..
Personally i know i could save myself 110$ if i used incall... especially since most of the time i don't even stay in montreal for the time but still pay the full night price(my hotel don't do 4 hours) but i like the confort of staying in my room waiting she arrive, shower smoothly without rush(i come from sherbrooke, so even if i clean before going, its most likely i will have sweat between, especially in the summer) and all...
Also in incall, if a girl do COF for exemple, i could end up in another dude juice... LOL no thanks. I don't think escort changes sheets between clients.