Personally, I am not a fan of dirty talk. I have seen some of the cards that are recommended for good dirty talk and I find it contrived and unconvincing. I just think that I am not into it.
If there is to be dirty talk, I would always prefer the girl to do it in her native langange whether I understand it or not.
I like moans if done well. But they have to conincide with interesting and convincing facial sxpressions.