I know what you mean, because I've definitely read tons of stuff where it was totally OOC or cliche or whatever and I didn't care because HOT. I'm just really picky about what hot means. Which is totally my problem and more a question of idiosyncrasies than quality, I will readily admit.

I've never thought to distinguish between porn and erotica, to be honest, unless we mean visual vs. written. Porn sounds filthier, I suppose, but I've read so many delightfully filthy things, which also went to the trouble of establishing contrast and character. Ymmv, obviously.