1. If I was getting something out of therapy and could truly not pay the co-pay and did not fear a secret cost or obligation to the therapist, I can see taking the therapist up on her offer. For me, I could not get past the therapist doing a favor - what is the secret cost or expectation from the therapist. IF that is not your issue - then why not do it. I do not get concerned about taking care of the therapist - I assume they would not offer something that would put them in jeopardy= taking care of the therapist is not among my particular issues.
I usually only stop for a couple of weeks, but last year the one went on vacation for three weeks and I cancelled for 4 weeks so there was a seven week break. The first week was hard but after that I was fine. I almost did not go back. I probably should not have.