Most guys actually say "my girl", and it's a turn on because it sounds possessive and reminds her that she's living the real thing (he belongs to her and she belongs to him I love you kinda stuff). It has a bigger affect than "babe" "hunni" "sweetie" "baby" etc.
I hear guys refer to their girlfriends as "my girl, my woman, my ole woman" stuff like that.. I don't find myself saying "my man".. I just call him my boyfriend.. but I don't really have a problem if he refers to me as his girl, or whatever because I know it doesn't really mean he thinks I'm his property. It's a term of endearment if you will.
My guy says girl too, But what difference does it makes man, woman, or girl. A lot of adults doesn't like you to say boy or girl, It seems immature to a lot of people. Think about it , I've never heard somebody say girl or boy in their forties they say their woman or man. I think it has a lot to do with age sometimes.
Really? I hear guys (only my age, actually) do the same thing pretty often, sometimes coupled with a slap to their girlfriend's ass right in front of everyone. When I hear "my man" it's at least a bit more loving than that...