I hate outcalls as well! I hate being out of my comfort zone. When I'm doing incalls I know where everything is, I know the place is clean and tidy, and if he turns up without the full fee I can just tell him to fuck off without any waste of time for me.
I started off as outcall only but my god I would hate to go back to it!
I think in the circumstances of being offered a cheque I'd probably say either lets go to the nearest cashpoint, or I'd accept a bank transfer. But after driving 45 minutes I can understand why you accepted it if that was the only option he would give.