merlin, i would do what is best for you. Find out the answers to the more practical questions like cost and coverage. Just ask. Erotic transference can for between client and T without regard to age or attractiveness... it's just mentally more acceptable and pleasurable if it's a young member of the opposite sex. Transference is about the psychological, not the physical.

You are not responsible for you current T's feelings. She is a professional T and knows how to take care of herself. You can write her or speak to her in person or on the phone, whichever you feel best with, and tell her that you aren't unhappy with her exactly but that you feel you need more than she can give you. i think that is more than reasonable and i would be surprised if she felt differently.

Seeing someone that infrequently is not therapy IMO. There is no continuity, lack of closeness, among other things. The power of the therapeutic relationship isn't being formed in a helpful way.. you just end up wanting and longing and not getting your need for care met.

Find a T that will work with you and for you. This is a process about you.