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Dirty talk can be learned in the cinema, while watching adult movies. But the movies are randomized either monthly or weekly (not to sure which it is) so you should check every now or then if one is running. 

As for cg's. They seem to be event bound. You can trigger some events yourselves after using certain costumes in foreplay mode. But yeah. Dont be discouraged!

Don't know about the CG problem, but dirty talk can be learned at the Cinema. If you go see an "Adult" movie while it's playing, you'll learn a couple lines of dirty talk for each movie.

i think some CG's with specific characters are with haato as the top and then the others are with haato as the bottom also some are unlocked when using outfits