Suggestive talk gets embarrassing when it arrives detached from the evening. It works when it follows something already alive between them: a glance after she catches him watching, a joke about the dessert they both skipped, or the way she leans closer before saying something that does not need an audience.
He does not need to turn every sentence into heat. One well-timed line can do more than ten hints. "You are making it difficult to pretend I am behaving" has a chance only when she has already been meeting his eyes, smiling at the delay, and choosing to stay in the conversation.
The important part is the exit ramp. She should be able to laugh, redirect, sharpen the joke, or raise the temperature herself. Mature women do not need a man to narrate the tension for them.
That is why the best innuendo feels almost accidental. It comes from the shared moment, then leaves both people wondering what the other will say next.