Some ladies like a pic of a prick, but they can ask.
Chatting is really just roleplay. Even if it isn't sexual at all, and one is truly trying to be themselves, one is still only conveying a fraction of who they are (facial expression is lost without video, and even if you have video, you can't exactly show someone who you are without the possibility of more intimate contact).
Be yourself, but assume all others are as genuine as you'd expect. If one is an 18 y.o. model from California who is online cybering with any dude who can type 20 hours per day, one begins to wonder how she has time to puke up her breakfast. Most truly gorgeous men and women don't need to play online (there are a few exceptions I've met on this site, but that's my opinion and faith... always faith). If you like the fantasy of that member being real, then consider them real. Who cares if you were wrong? You were only wanking anyway... wanking to a fantasy.