"Most local men live in modest homes."
Like most generalizations, this one needs to be qualified. When Kimmie mentions that people of modest means live in OC I would agree with her if she refers to the northern part of the county, close to Sullivan, Ulster Counties and Penn. However, the southern part is heavily suburbanized, with shopping malls, a BMW dealer, and some of the other trappings of affluence. This is because these people are within a reasonable commuting distance to higher paying jobs in northern Jersey, Rockland, Westchester, and NYC. In addition the county has many lawyers and doctors with the disposable income to hobby.
I think the lack of providers, of any quality in OC, is more the result that the place still a small town feel to it and men are afraid of being spotted by in a suspicious place, be it a short stay hotel, or in a parking lot in an AMP, or parking outside of an incall’s house. Most of the housing are private residences instead of apartments, which means nosy neighbors might be suspicious to see a strange woman come to a house when the wife is away. The vast majority of men are married, and that necessitates hobbying in a far away place where the probability of being spotted would be low.