And, as far as sex-ed - they don't teach you where the clitoris is (or at least, they didn't). It's a pleasure-oriented organ, and they don't talk about the "pleasure" aspect of sex in sex-ed.
First, you should try penetrating her with your penis, not your stick. Leave the stick outside.
Second, who ever heard of SP's faking it? Not I. You sir, must be mistaken.
$60 -$160: Run a risk of getting beat up.
$160 - $200: The beating won't be too bad if I'm nice.
$200 and up: I expect it's not a scam and I will not get beat up.