Seconding that EPR is hugely exaggerated. I've been RPing on Balmung since 2.0's beta and I've had all of once where someone who EPR'd propositioned my character... fully IC and not in a disgusting or overt way. It was subtle and tasteful, they took 'no thanks' for an answer immediately, and it never came up again.
My life is a chip in your pile. Ante up!