In my endurance racing life, I have met dozens of people that I only knew from online. In fact one just stayed with my family last week for 5 nights when she flew in for a race. Of course there really is no hidden life in that particular online environment.

On ETS for example or ZS, I haven't had a F2F with anyone, though I will say that the PM's, trades and purchases I have done with people have been exemplary. I would meet any of those people based on those interactions.

Key is to let others know what is happening in case of any 'drama'.