Put me squarely in the colloquial description camp. People agonize unnecessarily over how to name their sins. It’s the priest who is the professional moral theologian (although we lay Catholics should all have a working knowledge of what’s sinful and what’s not), just as it’s the medical doctor with the medical degree. Just as it’s up to the medical doctor to determine the final diagnosis from the symptoms we describe, it’s up to the priest to make the final judgement about what our sins are.
We are not required to tell the doctor, “I have strep,” or “I have pancreatic cancer.” In fact, that is greatly frowned upon. Instead, we say, “I have a sore throat and a fever,” or “It hurts here and here and I throw up whenever I eat.”
Using technical language can obscure our sins. Sometimes this is intentional. How much easier it is to say, “I committed an offense against chastity,” than to say “I masturbate five times a day.” Sometimes it is unintentional, but it still stands in the way of good communication. If we have some kind of misconception about what a certain sin is, we might confess the wrong thing. Jesus, in whose place the priest sits, still understands of course, and forgives whatever sin we actually committed, but the priest is unable to provide any good advice if he gets bad information.
As a last note, just think of it in very human terms. If I offend you by beating you up in the back alley, isn’t it much more normal and natural for me to come to you saying, “I’m so sorry I beat you up in the alley, and I hope you’ll be able to forgive me,” than to say, “I deeply regret my act of physical assault against you and ask your forgiveness for the same.” This encounter with Jesus in the confessional is human - let’s let it be so. Using our own natural language lets our heart speak out clearly.
Sometimes I think I’ll put it in my signature - Just tell the priest what you did!