Fashion photography should accentuate both the model and the clothes. There are too many "fashion" photographers who just take gimmicky, well-lit pics of hot women. This is not fashion. This is gimmicky well-lit pics of hot women. This is not my idea of fashion.
I do not fear creativity or black and white. Two of my shoots will never look alike.
Because of time constraints, I RARELY do TFP or whatever. On commercial shoots, I do not pay models personally. I leave the payment up to the client in those circumstances. I choose the models based on the shoot.