I don't talk dirty with the ladies, unless they start. But it is only hot, if it is in the heat of the moment and genuine (OK, I know this whole thing is a fantasy, but at least make me think it is genuine) and if the timing is right. If she says shit like, "Fuck me with your big hard cock, you stud," I know that is full of shit, and it does not turn me on.

On the other hand, a very simple dirty word or phrase at the right time from the right person, can be very sexy to me. For example, One time I was with a young college gal, (provider) girl next door type. We were having a very sensual session. Massage, lots of kissing, cuddling, small talk but no dirty talk. some DATY, then she was giving me one of the most awesome bbbjs and she pulled off, looked at me with her pretty eyes and said "Wanna Fuck?" For some reason just something about the way those words came out of that mouth was just uber hot to me! Most people probably wouldn't even consider that dirty talk.