The very fact that she spoke about "toys" and was giving him clear innuendo is her being inappropriate... especially when they were away together on business and there was hinting going on. Just because she didn't act on the suggestiveness of what was being said does not absolve her of the inappropriateness.
Its boundary crosses like that that lead to things going further. She didn't shut him down in the least, she simply said she was going to sleep. If she were to shut him down she would have clearly let him know that that kind of talk wasn't going to happen again in the future. Why was she texting with him like that at all is the question. There is obviously some sort of attraction going on between the two of them and to entertain that kind of flirting with him has intent.
Bottom line: Albeit she didn't act on the innuendo ~ She played along in a manner that is disrespectful to her relationship and her significant other.
“The willingness to accept responsibility for one’s own life is the source from which self-respect springs.” ~Joan Didion