disclaimer: I am a single young woman in the church and have no marital experience. Nonetheless...
- I think the words "hot" and "smokin'" carry a lot of baggage and are almost immediately associated with sexual meaning. In this case, I believe that the Bible is clear on the issue.
- I believe that appreciating God's creation (even humans) is a form of worship, but only when the Creator is worshipped, not the creation.
- The motives of the heart matter the most to God. This is where you define sin issues. Talking about someone else's "hot" factor in sheer appreciation for beauty probably isn't a sin issue. However, referencing what you like to see for the sake of your own pleasure probably has more selfish desires/motives than anything else. That is sin.
It's probably different for each person in each circumstance.