Yes, I saw an SP a few years ago who was working out of a hotel in the west end for the whole day. She warned me she had a cold, but since she was quite attractive, I said I didn't care, and so DFK was included in the session.
Obviously, I'm no genius. I soon discovered her cold was a really bad one, as I caught it myself, and couldn't believe how sick I felt.
On the other hand, in response to Kyra_to, I have to say I once cancelled an appointment with an SP I had been waiting for some time to see, because I had a cold.
I thought I had done the honourable thing. However, when I mentioned it on a thread a few months ago, I discovered that no one ever believes a client when he says he is cancelling because he feels ill.
You just can't win.