I like to talk dirty sometimes, but it’s usually to get a rise out of my wife. She’s not a huge fan, but sometimes if I say something outrageous in the middle she’ll react in a way that makes us both a little happier.
She isn’t much of a talker, but I love to hear her curse. My wife doesn’t curse ever, so it’s sexy when she walks in the door and says “Fuck me right now.”
Like I said, I have never experienced it. 
But things like praising the size of a man’s penis, calling someone ‘bad’, slutty, a stud, etc, or graphic descriptors with curse words (it’s not like I don’t have a foul mouth in general, but I just couldn’t stomach ‘cock’, ‘pussy’, calling it ‘fucking’, or whatever - it just reminds me of a porno, and cheapens the whole experience) of what you are going to do to each other, all of which I heard/heard of other people doing - all would be a massive turn-off for me.
Pardon the expression, but… fuck yes!
I’m a big fan of dirty talking. It took a while till I got brave enough to say some of the things I was thinking with a partner, but I think if there’s something you genuinely love about their body or how they fuck you, it’s a shame to keep it to yourself. My current partner doesn’t talk much (I’d love it if he did, but the sex is good and I ain’t complaining), but he likes it when I talk about having sex with other women or having his babies.
Relatedly, I really enjoy role-playing - the elaborateness and specificity verges on embarrassing (ex: I will rent out a classroom and create a plagiarized paper ahead of time in order to make a schoolgirl/prof scenario as realistic as possible). Probably comes from playing make-believe as a kid :D.
Interesting points. I can see what you’re coming from, though I have a different take on the issue. Sex, while often beautiful, is a product of all sorts of awkward and devious things: social anxiety, neuroses, power play, previous [sometimes unpleasant] sexual experiences, etc. Incorporating a bit of dirty talk in the repertoire isn’t going to rob sex of its natural beauty if all these other bizarre elements brewing under the surface haven’t managed to do it.
But really, the main point of dirty talk to me is to be sincere about what turns you on and what you like about the other person; it should make the other person feel good, not uncomfortable. If my partner didn’t like it and told me told me to stop, I would.