Fluff or fetish?

What qualifies as a solid fetish story?  I have been asking the question for a long time, researched it, read several, and I still am unclear.  Part of what the Wallflower Diaries is meant to do is explore various fetishes as my two coeds come into their own - each in her own way.  The point, if you haven't guessed it by now, is that while Simone appears to be an active, vivacious, and very popular woman, she lacks sexual experience to the degree that she would be considered a wallflower in that capacity.  The Diaries will have to show her perspective as she delves into various situations that awaken a part of her she didn't know existed.  Now, is she going to know everything there is to know about sex and things like bondage?  Doubtful.  For her, things will appear more like the fluff of a sexual situation and evolve into something deeper.  On the flip side, Josephine overtly appears the quintescential wallflower but we quickly find that she is knowledgable about all of the things Simone knows nothing about.  Her entries should therefore be far more involved with a greater understanding of the purpose behind the actions which ultimately drives her toward a different lifestyle altogether.  Beyond this insight into the series, I found that it raises a broader question - do you prefer fluff or fetish?  Are you annoyed by either one?  Do you automatically assume that fluff means the writer knows nothing of the lifestyle s/he is writing about?  Do you suppose the true fetish writer is so hardcore into the fetish on a personal level that you are turned off by the story?  It's quite the conundrum, is it not? 

Just a little food for thought as I settle down to work the next installment of the Wallflower Diaries - Winter's Chill.