Took the plunge a little over a week ago. Session was in her apartment north of downtown St. Petersburg. A dog barked when I knocked on the door but turned out to be friendly and unobtrusive; she has him well trained to stay in his crate during sessions, which he did with nary a peep. There's also two cats you probably won't see but be aware in case you have allergies.
We had been communicating back and forth before the meet and she was friendly and intelligent, so there was already the beginnings of a connection. Even so, it went from platonic to FS fun in less than 10 minutes. We just got into it, and kept going, and going. I left happy. I can provide more details by PM if you want.
Be forwarned, she's a big woman, so if you're looking for a spinner or someone skinny, she isn't it, but she makes up for it by being someone you can have a conversation with. Even if you don't go past platonic cuddling on your first visit, she is worth sticking with if there's a connection.