At the apartment buildings I live in there is a married MILF next door, she is literally Lana Del Rey with a busty voluptuous figure and village girl braids. She wears colorful dresses with revealing underwear silhouette and waters her plants on the balcony and seeing her just gives me a semi...
Tbh most would be okay with all 4 scenarios and also would be fucking her in every room of the house. Plus in more liberal places like France you can also position to the window and let strangers watch too, people even fuck in public parks there lol
Fantasy and reality are different things so you gotta experience to get the hang of it, perhaps you can talk about this with her if this feeling keeps bothering you. Communication is important for a healthy relationship after all~