It's so "middle school", but even at 20-years-old, I still have boys that I'm interested in tell me that they're content with just "talking" to me. If you're trying to slide your tongue down my throat at my friend's party, then I'm sure you like me for other purposes. To put it simply...I hate the phrase "We're talking", and this is why.
I don't know about other girls (or even guys for that matter), but I get very attached very fast. No, I won't be head over heels in love with you, but there will be feelings invested. The phrase "talking" labels me as someone that you're not sure about, and I'm just not okay with that. When you're not sure about having a relationship with me, then honestly, you don't deserve me at all.
Another reason I don't like the phrase "we're talking" is because most of the time (in my experience) the person I'm interested in is "talking" to multiple people at the same time. I don't consider dating to be a game or my love to be the prize at the end. I've honestly gone through too much drama in my dating life to just play around anymore. I take dating seriously because I hope to find that special someone...at least someday! A lot of people my age don't like committing to just one person or the seriousness that dating someone carries. Trust me, after you've had your heart broken a few times over boys who were playing with your feelings, you'll understand why I hate the uncertainty that comes with "talking".
All I'm trying to say is if you really like someone, you should be honest with them and tell them. Instead of "talking" to someone, I think it's a good idea to be friends with them first. That way if you realize that you work better as "just friends", that person can still be involved in your life. Telling someone that you're "talking" to them is just very immature in my opinion and if that person can't see that you're worth enough to tie down and call you theirs, then you need to let them go and find someone who really cares about you.