i dont do online play its not my thing tbh but i imagine that if you are comfortable playing online then you would be comfortable with giving an accurate description or even swapping pics, i think if i were into online play then sub or not id certainly ask for a description or better still a pic or webcam rather than my desktop.
fantasy is ok and people can use their imagination but when you're looking at your pc screen typing (and god knows what else *grins* ) away dont people want something a bit more solid?
and if you think these people are dumb for believing anything they're told then it cant be much fun 'playing' with them surely?