I think there's nothing wrong with the schoolgirl fantasy, as long as it's an adult woman playing the part. I've even been known to don pigtails and a kilt every now and then Actually, it goes for pretty much any fantasy, as long as there are consenting adults...then really, who are we to judge?
p.s. I loved Dumb and Dumber!
"We got no food, no jobs... our PET'S HEADS ARE FALLING OFF!"