I'm a homebody, so I LOVE being able to play from my home, and set my own hours. If I had to pack a bag and go drive to some "incall", it would feel like work and take a lot of extra time and money.
So yes, definitely private, clean, beautifully decorated, well appointed apartment fully stocked with toiletries and anything we might need.
I usually prefer it. But there's also been a few times where I was at an incall, and could tell that a dude lives there too... and started having visions of what happens if this guy comes home unexpectedly?
You are not the only one. Even better is a private residence where you aren't parking in view of the street.
There are plenty that use a private residence. I ask when setting up appt. thru P411. Some clearly state, others you have to go through a bunch of reviews. Many of these private residences are only for incall and not used as living quarters. Don't be afraid to ask. I think if you make this a personal requirement, you will still have plenty to choose from. Good ones, too.