If she said it in a playful tone then personally like you say nova I would find it a challenge and more of a turn on than turn off, but if she was being bitchy she would get told where to go, even more so if she has a hairy muff.

I think Phil made a choice based on HIS preference of how HE will and won't accept being treated by a girl, if you will take more shit than him that has nothing to do with 'game' but more to do with shallowness (shallowness isn't necessarily a bad thing).