While most of the time, people want you to get comfortable on Second Life before even talking to anybody; basically, but the truth is sometimes all you want is some easy sex action. I personally don’t judge, but it’s best to keep away from “real women” until you at least learn the basic ropes one way or another.
There are some very easy ways to experience virtual sex on Second Life. It may or may not require money, but please, always check the parcel’s or sim’s internal play rules, and know they are not universal. If you don’t find what you’re looking for in one place, there’s always another one to try.
AFK is short for Away From Keyboard, and AFK-sex means that some people leave their avatars on “camping” spots for others to have sex with in their absence. Some leave their avis like this when they go to work or are otherwise busy… Some stick around to see what others might do to them if left seemingly unattended. (Therefore, tip. The owner of the avatar may be there even though they pretend not to be or come back at a critical moment.)
At AFK sex locations, you can simply walk in, choose the avatar you like, and do whatever you wish with it, as long as you leave a tip… Most of cases. There are some free AFK sex locations, too, because if there’s a kink, there’s a representation for it on SL, and being used for free is one of those kinks. (So is having to pay for sex, by the way.)
Check the sim rules on whether it’s a free AFK or tip jar -run place… What to tip, tho, I think you may get an idea from the place suggestions and what others have tipped.
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Escorts are another easy way to get it on. Obviously, as escorts, they role-play as such, and that role-play involves money. There are enough places for escorts to hit one if you throw a rock in a random direction, so I’ll leave you to find them yourself.
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You can also join sex and fetish-specific groups and ask for company. It is not usually a problem, but don’t forget to ask for guidance as a newbie, rather than expect to woo someone’s pants off on your first day in, even if you are real-life awesome.