No Stupid Questions

That's going to entirely depend upon who they're speaking with, and why. It will also change depending on where they live, there are lots of regional specific names for these. Pum-pum for example in Jamaica.

If something is more focused on something being wrong like an infection or period, they may use more medical terms like Vagina, Labia, Clitoris, etc.

If they're talking over drinks in a bar with their friends about what they did last night with some guy/girl, they're more likely to use the more common "crude" slang terms like Pussy.

If they're talking to some casual acquaintances and it happens to come up, they would use more indirect slang like "Bits", "Lady Parts", "Va-jay-jay" or similar.

For those of you old enough to get the reference:

There's no wrong way to eat a...

Sadly, most men and women tend to say “vagina” when they really mean vulva - the visible genitalia. The vagina is the internal pathway from the vaginal opening to the cervix. Most people don’t have reason to discuss the vagina itself outside a gynaecological or pre-natal setting.

“Girls go to Mars and boys go to Venus! I’ve got a yum-yum you’ve got a penis!” -Linda Belcher

Neighbour friend was having her women friends over for what she called a taco party.

Mike Hunt.

Coochie patootie

Both genders don’t use the proper anatomical terms at all. Vagina: This is the internal canal that leads from the cervix to the outside of the body. It’s involved in sexual intercourse, childbirth, and the menstrual cycle. It is not visible from the outside. Vulva: This term refers to the external part of the female genitalia. It includes the labia majora and labia minora (the outer and inner lips), the clitoris, the urethral opening, and the vaginal opening. The vulva is what most people are actually referring to when they say "vagina."

This song from 14 years ago offers a fantastic list of euphemism.

Love your Vagina

Undercarriage

Whisker biscuit, overheard this one.