My wife and I went out for an excellent meal, dressed to the nines, while on holidays in San Francisco. After the meal we went for a stroll and I knew it was a special date. My wife had no panties on and let me take a picture of her flashing me in a bookstore. While waiting for the flash to go off, a young guy walked past and caught my wife with her dress hiked up. He made an appreciative moan as he saw her. The flash went off, the moment was recorded, and my wife let out a giggle. I love her for those moments.
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The MILFs are single, married but looking, or in open relationships and most have busy lives being moms and working. So discretion is preferred and they are usually quick to act without much in the way of gamesmanship.