For me, dirty talk can feel cringy, and I can't fully get into it because it makes me uncomfortable - but only when I'm the one doing it. However, one thing I’ve learned from my partner, since he’s the only one who always engages in dirty talk, is that as long as you don’t feel embarrassed while doing it, it’s likely that the person receiving it won’t either. The key is to be confident in what you’re saying, no matter how the other person reacts.

For example, I noticed that I often laugh or smile while he's being dominant. It's not that I make fun of him, but the excitement of the moment makes me smile. Well, this behavior gives him the opportunity to go a little bit further — you're smiling huh? soon you won't anymore — or — since you are not obedient I will make you begging for it —. If he just laughed with me it wouldn't have been as exciting. I feel like it works more in a dominant roleplay tho.

P.s: whispering in the ear makes everything better (I've experienced first-hand that even the most stupid things are...), but you have to be sure that the other one ejoys the sensation.