The last one is more derogatory and misogynistic. It’s a porn word. At least cougar is not a disempowering word. Cougars are powerful animals. MILF is a made up acronym, by pornie men, deliberately objectifying and disempowering. I’m betting almost no women like to be called MILFs unless they are being objectified to sell a man his fantasy - or in possible intimate situations where two actual parents are having sex and it’s said for fun...otherwise MILF is a creepy word. Father I’d like to f sounds even more creepy. And it’s corresponding acronym is FILF. Makes sense. Yuck.It's one of those words that was derogatory, or at least complimentary in a way that many/most women didn't find complimentary (treating them as sexual objects), in origin, but that some of those targeted have chosen to embrace. Similar to MILF (Mother I'd Like to ... I'll leave the "F" to your imagination).
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