I'm comfortabe using profanity if it's the way a character speaks or thinks. That's all part of creating a realistic character.
Sex is out, unless it's metaphorized. Most of the time, I don't even like reading sexy scenes, so a big 'no' to writing steamy.
There are people in my life I'd like to write about, but never do. If they ever found out about it, they would never speak to me again. Also, I would be fired for writing/publishing about the place I work in every day. Not worth it. Some awfully good stories there, though.
