Wow, this thread went places in my absence lol.
Listen, man, Unix, you're a grown man. You do what you want. You want to call a whore to f*ck? Fine by me. It's your life, your choice, your decision. Hell, I've considered it too, I've been single for 10 years and at some point on year 8 I probably wondered what it was like again. But, you know, I got my pride; I won't pay for ***. I think that's a whole lot more shameful than being a virgin. MY view, no one has to share it.
Regardless, if my friends, or people I know, or anyone else for that matter I frequented, mocked me EITHER for being a virgin or paying for ***? Wouldn't be my friends no more. F*ck what other people have to say, over 50% of this country and others is divorced and there's online website specifically designed for married people to cheat on each other. Goes to show you what insight most people have on interpersonal relationship, no offense to anyone.
Only thing I can tell you is you're the one who'll have to go on with the decision, wether it be a good thing or a bad thing. The optic I have, the optic you might want to consider EVEN if as I can read right now you don't really believe it, is "what am I going to tell my kids someday". That's what I tell myself every time I have a decision to make. When I was younger, I didn't, because like you, never thought it'd happen; as such, there's a boatload of crap I can't really tell my kids about, 'cos I was a grade-A *******. I regret that. Although, on the list, personally, I don't have "I lost my virginity to a prostitute". To me, it matters.
Maybe to you it doesn't matter either way, it depends on what you think. If this is something you really want, do it. F*ck what other people think. But keep it mind it might not be what you expect and that hole you feel might not be filled (no pun intended). You'll still have to live with it, though.
Oh and by the by, just in passing? 5 inches isn't that small. There's a LOT smaller out there, trust me lol. If that's your fear, you should try and abstract from it. The mother of my kids once had an abortion long time ago, with the boyfriend she was with for 2 years. She said it was so small when they did it on the couch, she though he was screwing the couch. Symbol she made with her fingers, erect, was like a peanut. I'm not MAJORLY hung, but in the averages and still, with another girl I dated, it hurt her when we had relations...she couldn't date men who WERE hung and dumped some specifically for that reason, because it'd be too painful, even to bleeding sometimes.
As for the original question, "is it worth it?", no one can answer that besides you. After the fact. If you don't like the answer though, it's too late, remember that. I don't think the 100 quib is worth it, though. I'd go with a high class escort, couple thousand. Because if I go, I'd rather go ALL IN, rather than the local dump truck, if you know what I mean.
Good luck man. Have a good one.