I have no problem meeting fans if they happen to be at the same event I'll be at. For example, I go to the Folsom Street Fair every year and I post about it on my Tumblr and Twitter so people can run up and meet me if they'd like. However I wouldn't hang around them, go with them anywhere, or have sex with them. I also never go out of my way to meet someone. Ever.
The main problem with meeting fans (aside from the tiny chance they are a creepy stalker or worse) is that they see you as a sex object. And hey, I kinda am. But since we've "met" through a porn site sex and porn is all that they will think right off and it's awkward for both parties in my opinion. Especially if the fan is blunt enough to ask me for sex. I'm a solid "NO" on fucking fans.
Even in my area it's a bit of a pain because I don't mind being recognized at all but eventually "so are you gonna fuck me or what?" seems to be all they are thinking. Lame.
@Serena: Sorry to hear about your cop troubles. There is a cop in my area who is a loyal fan of mine and he's a total sweet heart! He knows my real name and everything but he'd never ever be a creep or rude to me. It always bums me out to hear how rude people can be!
I have a friend who was chased off SC because someone in her home town threatened to expose her to her family if she didn't send him full nudes all the time. She also had trouble with a fellow Charm (if you can believe it) who constantly threatened to expose her. She was a lovely Charm and I was sad to see her go.

Another friend of mine was going photo shoots in her friend's back yard once and got an email from their neighbor who was listing in detail what they were doing. Now that would freak me out!!