Dirty Talk can be both arousing and distracting and difficult for providers to hit the target on.

Not a fan of the “Oh daddy fuck me hard”…

If it’s subtle and timed right with just a little touch of sincerity that I’m ok.
The fake shit she can save it for someone who’s into it.

If the dirty talk and/or moaning seems natural, not forced (“Let’s see, I’d better moan now to make him think I’m enjoying whatever the fuck he thinks he’s doing”), then yes.  If the provider is just acting but graduated Summa Cum Laude from the Acting School for Sex Workers, that could work too.

 
The best dirty talker I know is a mature provider, one of my favs, who seems very sweet when you talk with her but talks dirty like there’s no tomorrow when aroused.  She’s either a great actress or really enjoys dirty talk.

talking as the province of those less-educated people with a limited vocabulary, so when people that fit this description do it, it seems perfectly natural and entertaining, but when those that don't normally talk that way do it, it comes off as contrived and exaggerated, and is more of a turn-off than a turn-on.  

Dirty talk often feels fake and distracting, not at all arousing.  

Once I was with a provider who showed a lot of expression with her zen-like pouty lips and deep breathing. She was probably faking it, but it was extremely arousing and fulfilling. No surprise, she got a huge tip

It’s the modulation that’s key.
I remember a lady I saw a few times whose main articulation was a few genuine sounding sighs of pleasure, an encouraging moan now and then, and once during doggie she turned her head, looked me in the eye and said softly but passionately  “fuck me”. I came a nanosecond later.

Then there was the lady who was so over the top that not only was she squealing while I wasn’t even touching her, but in the middle of a stream of clearly scripted dirty talk she stopped cold, mumbled something, repeated herself, and started over. She’d obviously lost her place in the script.

As with perfume and good wine, less is more.

I will be 44 this year, so I’m to old to fake it. No need to act. I love talking dirty & do so even when I am in private pleasing myself. I find it very arousing.

Moaning if its...

Not over the top. 1 second into daty and shes screaming? Cmon man.

They are just in a hurry to get it over with.

If sincere and done well, it is magnificent.  It can't just be screaming a stream of expletives.  It has to seem organic and build with the (perceived) passion.