Some women really get it, usually those who are into kink and are clearly good communicators- not that that’s inherently what makes them good about it, just that they’ve probably more likely had chats with different people about what they’re into.
With that said, many girls just have no idea or are really shy/awkward about it. Personally I like to hear them describe what’s happening or what they want to happen, think it’s just an enthusiastic consent thing and some girls wouldn’t even consider it dirty talk. Having a girl mid foreplay look me in the eyes and say “I want you to fuck me now” with determination is infinitely more of a turn on than repeating some filthy shit from porn but each to their own. Anyway, sometimes a nice way to broach it can be to ask them if they masturbate and what do they think about, or get them to tell you about some past sexual experience that really turned them on. Requires a bit of rapport but once they see the effect it has on me it usually gets them on track.
Hottest I’ve ever had was a gorgeous young euro chick describe why she would love to fuck without a condom and how it would feel, but that was thanks to a conversation beforehand about how it was just her expressing a fantasy and wasn’t an invitation for me to rip off the rubber and go to town. Requires a bit of trust and understanding but damn can the rewards be great.