Hello,
I am new as well so may not be able to give the best advice, but feel free to PM or email me if you have any other questions.
I cannot speak on the topic of having a boyfriend who does not know what you do. Personally, I think this is going to make it more taxing on you. Is this something you will eventually tell him?
I live in Phoenix, AZ and am not going to get a driver. Phx is a huge metro city, and I only offer outcall. If going to a hotel/resort I see little chance in clients seeing what I drive. If going to their personal residence, I may get a driver for the evening, I haven't run into this yet so I haven't made up my mind. It depends though, I know many girls here in Phx who always drive their own cars.
As far as charging, I would say charge what you would like and stick to it. There are clients at every price level, and if you go too low you might attract the wrong type of client.
Reviews are a big thing over here, and I am working through not having any right now. Business has been slow for me, but I am confident will pick up after I have a few positive reviews.
Good luck!!! xoxo- Audrina