Regarding the skinship lewd dialogue:
Of all of the fanservicey additions, I find this one the easiest to defend, mostly because it actually makes sense in story. Think about it; in context, you're alone with your lover, in the bedroom, and are basically rubbing them all over. Frankly I'd be taken a little out of the experience if they didn't make some sexier commentary
Though ah, as to the extent of when the dialogue would go too far, I leave to more opinionated people to discuss