Adult conversation equals not NSFW.
However I do agree that the available filtering is quite lacking. Tons of topics fall under NSFW, and disabling the filter brings the usual Russian Roulette of "will it be a titty or a beheaded guy or a 60yo bloke getting fisted?".
I've actually brought this up before, the Fediverse in general needs more granular NSFW sub-categories. Like, I have (or now with lemmynsfw being down, I guess, I had) a separate account for porn only. I've disabled NSFW filtering, but that doesn't mean I wanna see gore, rape, murder, animals being gutted, gruesome accident photos, cartel and ISIS execution videos and so on, I just don't want titties blurred in my main feed.