Shrug, I think for girls it is just tedious. I just don't get into it like you guys would. So I'm sitting here twiddling my thumbs reading what orifices the guy wants to stick Mr. Happy, while he's jerking off. It just doesn't do anything for me. Especially if it's some zit-faced 13 year old who is just trying out all the terms he just learned over lunch from his buddies
Same with porn - it just isn't the same as having your b/f there, so it doesn't do a whole lot for me.
Phone sex is better to me, because you actually have some interaction there. Then again, that's something I'd only do with my boyfriend.
As for fantasies - I don't need to cyber for those. If I wanted I could probably live them all out in person
So, after too much info from me (I'm sure), I have nothing against cybering - go, masturbate, and be happy - but it's just not for me.