I think we should differentiate for argument's sake.
MILF = a younger hot mom, like 25 to 35.
Cougar = hotter older mom, like 30 to 45.
good idea, i'd say cougars start at 35, but hey they dont even have to be mums, the thing with milfs is that there is no game, just straight sexing, none of this worthless text messaging, and asking hows work, and all that shit, i show you how this milf panned out..
Milf: Quicker, how are you? If your available on Fri let me know

Quicker: Hey Sexy, Am well thanks, Cant do fri, can do Sun or mon
Milf: make it sunday, see you then!