Two is plain and generic - three makes it interesting.Â
Stephanie has long been jealous of Shawn and his marriage to Leona. Leona, who looks just like her, makes Stephanie suspicious that Shawn may have long had forbidden feelings  for someone like her. She knows all too well, though, that lust between her and Shawn would be forbidden.
Opportunity arises when the seductive couple want Stephanie as their fertile surrogate. There won't be any doctors involved, however, as Shawn and Leona want to things the natural way: bareback and highly taboo.