> - has anyone had such an experience before, where baby oil on penis + panties-
> covered vaginal rub would actually feel like actual penetration?
I never had such an experience and most probably never will have. But I will tell you what I think.
> - assuming the masseuse had panties had a hole in the vaginal area (i know that
> sounded ridiculous but bear with me) and actual penetration occured, what are the
> chances of contracting any disease?
If actual penetration occured, and even if that was just 5 strokes, you could easily catch something. If there was no penetration, you could still catch something if the girl had vaginal fluids going up to your glans. But you can never know this under the conditions you described previously.
So, better get yourself checked for STD's to be sure.
cheers for the advice
what examples do you mean by 'something'?
HIV is definitely out of the question, no?
Something that comes quickly in mind is herpes. It can be contracted through bodily fluids contact even if the carrier presents no visible symptoms.
About HIV I don't know. Better check this out with some doctor, just for the peace of mind.