She wants to be an animate and human-sized teddy bear

"Okay," Tom said, nodding his head. "So, full movement, full sensations, all your parts are still there..."

"...but I'll have fabric for skin, fluff innards, and I won't be able to feel pain," she finished for him. Then she paused, considered that again, and added, "Actually, I want to be able to feel pain, but it's only pleasurable, just a unique kind of pleasure."

He couldn't say he understood her desires, but that wasn't really the point of this. The point was to help her explore a fantasy. So Tom rubbed the coin and wished aloud, "I wish for Sarah to be a living teddy bear woman that is the same size as she is now, with all the modifications and qualities she's thinking of." The coin heated up in his hand, and the wish took effect.

There was no transformation, no visible effect. One moment, Sarah was a normal human woman.

The next moment, she wasn't. Standing in her place was the strangest thing Tom had ever seen. She was the same height as before, and the same build. Her boobs were there, clearly defined through her blouse, her hourglass figure still silhouetted her perfectly, and her lips were still curved into that smile he knew so well.

The difference was...well, everything else. She was clearly a stuffed animal. Her 'skin' was the same material, the same texture, as any teddy bear a person could buy at a store, her 'fur' a brown-ish biege-ish color that felt very nostalgic. Her human ears were gone, replaced with round bear ears poking through her fabric hair, and her eyes were buttons sewn in. He could see the seems where different sections of the body were stitched together, and yet when she moved, it felt natural.

"Wow, this..." Sarah looked down at herself, voice still the same as before, and she started touching herself with fabric bear claws, squeezing one breast far harder than a human could ever safely manage. "This is perfect!" When she spoke, Tom could see she had no teeth in her mouth, and the inside was a cavity still lined with fabric, though that kind looked softer, almost like silk.

Stepping closer, Tom put a hand on her hip, trying to adjust to this change. "I'm glad you like it." Slipping a hand under her clothes, feeling her fur, he did start to get an idea of what aroused people about this. She was a person...but she was also a toy. One he could use, right? "What do you want to do?"

Smiling in a way that was somehow sultry even on a teddy bear, she told him, "Well, I know that you're supposed to keep plushies like me clean, buuuut...I think I want you to get me dirty, honey."