165 cm is not short for an Asian man.
Why was the hooker denying you access to professional services is not something we can really offer explanations for.
If you feel that you need to inform your future wife of these occasions, I suggest that you inform her the way you posted on here, i.e. tell the facts. Whether you tag the incident as "sex" or "not sex" has no consequences.
Are you going to marry an Asian, European, or American woman? Do you have anybody in mind or you are just planning ahead?
Did you finish your Masters?
Was whatever happened in-between you and the hookers practiced in a safe (safer) manner?