Do they want some kind of response? Because it's one thing being talked at but quite another being expected to conjure up lines of purple prose yourself. Another consideration is just how dirty your partner is going to get. There is a certain sort of person who, in the heat of the moment, enjoys flinging insults around the bedroom. While you might be prepared, perhaps, to listen politely to a bit of light banter in order to humour your loquacious lover, you really don't want to be startled by being called names.