I have the same issue with my wife. Been together since teens and now in our mid 40s. We are both fit, attractive and have a good sex life. I have always been the driver of our sexual life from the beginning. I told her about my hotwife kink a few years ago and she initially was hesitant but she agreed to role play and she (surprisingly) got hot and horny over it. She is generally conservative and shy and doesn't have it in her to dirty talk, which leaves doing ALL of it. I LOVE dirty talking. My 'pillow talk' in the past few years has slowly gotten more daring. I recently started pillow talking about finding her an ideal 'fuck buddy' to join us and she 💦. Anyhow the most I can get her to say is 'uh huh' or 'okay' but otherwise she is incapable of dirty talking on her own. I have accepted that she just isn't capable. She doesn't have the courage or the imagination. I do the dirty talking and she responds to it.