Since Flux can't generate genitals despite everyone's best efforts, let's just bypass them!

It's pretty straightforward - generates women with hands in their panties. What you do with it past that is up to you. It can also do men or other women with their hands in a woman's panties, with varying success.

It was trained on "a woman with her hand in her panties," but feel free to sub out the "a woman" part. For someone else, something like "a man with his hand in a woman's panties" will work.

It plays well with other Loras, though you might need to increase the weight a bit. Even without other Loras you might want to increase the weight just a little, although you'll probably still get a hand on the naughty bits.