Well the thing about it is that we all grow up with the same cultural influences and yet develop- or innately have- very different preferences. I find this very fascinating- like why does the very thing that turns one person on turns another off?
For example fancy lingerie and nightgowns do nothing for me but braless boobs bouncing inside fuzzy sweater is a real turn on. In fact I've always been fascinated with people who don't wear underwear and watching flaccidous body parts moving about as if they have a life of their own.
As for phobias- well I can't think of anything specific- inherently dangerous stuff like working around high voltage equipment or even climbing up radio towers doesn't bother me and yet I can become apprehensive at quite ordinary things- like being in unfamiliar place or fearing a tire will blow when I driving or some idiot will run a stop sign at the next corner. That sort of thing.
OK Bob, I've fessed up- what's your fetishes and phobias? - Everybody else too- its confession time!