If I am repeating what another has posted, forgive me.
Hebrews 13:4 (NASB95)
4 Marriage is to be held in honor among all, and the marriage bed is to be undefiled; for fornicators and adulterers God will judge.
"Dirty talk" I can only imagine involves vocally expressing language or images (fantasies) of fornication or adultery. I will admit having been there and done that for many years until one day I realized that it was going against the Godly prescription for marriage (one man for one woman for one lifetime) and that role playing was not of Jack Kennedy seducing Jackie Kennedy (just to pick two names out of the past) but of Jack Kennedy and Marylin Monroe. Adultery.
It calls upon the depravity we all possess in our human nature.
So now you're the naughty school girl and the mean old principal alone in the detention in the classroom after hours. Fornication and pedophilia.
See my point?
And how about Fred seeing another cave woman and coming home to use Wylma as his fantasy device all the while thinking about the other cave woman. Lust in the heart (adultery).
We live in a world that muses itself with television shows called "Wife Swap." So we cannot expect much help from them along the lines of the Christian thing to do in such matters as the OP. They will tell you, in fact, that the Christian way is whack... outmoded, outdated, out of touch with reality... yet they also wonder why things are so rotten in the world and in marriage etc.
For some reason it is too easy to forget what a great experience it is when you really truly experience each other for who and what you are in the here and now and not some fantasy or lust for another...
As I said I did it the other way for years and the Lord's way is much much better!
It's like turning sex into masturbation when you do it the world's way.. just using your beloved's body to release sexual tension rather than truly truly making love to the love of your life your soul mate. No comparison.
If you disagree, you might want to check your spiritual barometer. We tend to drift off into worldliness even though we think we are not until something horrible happens and then we see the light...