Personally, I've never tried it. Sometimes things that seem like we should not be doing them are appealing in some ways and then sort of icky in others. I agree that your inner voice is communicating with you. I don't think it's all that bad a thing to do actually. Someone once asked me to have phone sex with him and I declined because I wasn't interested in him that way. But with someone online doesn't seem like such a good idea because you can't see the person for one thing-or can you? I don't know if you want more to happen with the relationship (if you want to call it that). Then who knows what may be lurking out there-it's scary. I wonder if anything good will come out of it. Maybe there is something to learn in it. I don't know but I noticed that in my life I can sometimes find some meaning to specific events later on.
Not to upset you but I've heard some bad stories from meeting certain people on the web. 5 women were killed by a man who lured them on the internet. That made me become extra cautious (like I'm not already-I'm usually on the verge of paranoia anyhow ).
I just want to get the point across about being very careful. I think the old fashioned way of dating is more safe. Waiting to really get to know the person is important, too, before venturing into sex. But I didn't always do it that way!

Best wishes.cq
Success is the best revenge.