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To me, smut definitely has a much less innocent connotation.
Than just saying "sex"? I mean, I understand that "smut" has a darker connotation, but if there's detail involved and you're not airbrushing the act, it doesn't matter if you call it sex, naughty or smut. <shrug> It's nothing I'd want my 12 year old son reading. blush

I'd like to think that when I use those elements in a story it actually adds to the plot/characterization, but I also know that viewpoint is entirely subjective.

Lois: You know, I have a funny feeling that you didn't tell me your biggest secret.

Clark: Well, just to put your little mind at ease, Lois, you're right.
Ides of Metropolis