I have been married for 16 years. I have my fantasies while havig sex but there is no way I would ever voice them outloud.
The reason is they are my fantasies and not his. Voicing them outloud would defeat the whole purpous for me cause it wouldn't excite me.
Obviously part of his fantasy is being verbal about it cause being verbal excites him and is part of his fantasy. You understand what I am saying?

If he wants you to tell him yours during sex or anytime , make up something that you know he'd like to hear that would not insult his ego or threaten him in anyway. I suggest making him the main character in your fantasy.
i'm like you, I can't talk during sex I am too busy trying not to see the dust on the ceiling fan. I have to silently fantisize or else I can't concentrate on my own self enough to climax.
Remenber men are visual and verbal. Women are not. Fact!
Good luck!!
Debby