I've never really mutually cuddled before outside of a few odd hugs and maybe "making out" once in a "romantic relationship" I never should have been in.
This being said, I've had awesome times cuddling with professionals, especially ones I can talk to about life and have that kind of closeness only a client and service provider can have when they are in good terms in a good faith transaction. You see, a good cuddler sincerely cares about their clients just as a good client sincerely cares about their cuddler.
Things feel so non-awkward when you know you're paying in a cuddle session... there's no ambiguity of intention or worry of escalation. It's just a delight worth the money and a way to meet all your deep affectionate needs!
My gut and experience would tell me it's better to pay for cuddling than to cuddle mutually with some kind of cuddling friend or partner. But what do others think?