i'm inclined to say the type of "dirty talk" i enjoy actually isn't 'talking' at all - i actually enjoy the groaning/moaning sounds made by my sexual (or, in this case, potential) sex partner.
quite frankly, i've never enjoyed it when my partner speaks to me during sexual intercourse - at least i dont enjoy it when it's done in an ostentatious manner. when its forced, i think it gets in the way of the sensuality of the experience as my attention is now diverted to what you are saying, more than say what you are doing.
however, i can tolerate it when its kept to a minimum and is nothing short of natural, if you will. the last thing i want is for my lover to think theyre obligated to speak to me as a means of exciting even more. thanks, but no thanks; i get turned on by knowing that im pleasing you and thats amply reflected by the groaning/moaning sounds that are made.
besides, if you wanna hold a conversation, we could just as happily do that in Starbucks over coffee.