I love it...but as many said, I like it to be organic/natural. A few days ago I played with a hot, young daddy type I met online. We had had some sexy conversation for several days before via phone and text, and so, when after a while of sexy fucking, I slid in deep...looked him in the eyes, kissed a bit, and asked, "Who was the last guy that stretched you open? Tell me..." It totally turned his crank...and he proceeded to whisper about a very large muscle daddy and his buddy who had taken turns opening him up last week.
While it was the hottest fun I'd had in a while, I can't think of a time when there wasn't at least some verbal while having sex. For me, it's just part of it all.