''I never write verses with curses'' or choruses, either raps Will Smith on Lost and Found, pointing up one reason why some hardcore hip-hoppers hate on him. But realizing that living large is the best revenge, Big Willie doesn't waste too much time apologizing for his lack of crudeness. Whether recasting the Spider-Man theme as a rap tune (''Here He Comes''), poking fun at his own squeaky-clean image (''Mr. Niceguy''), or relating the tragic tale of a Fresh Prince-obsessed stalker (''Loretta''), Smith delivers a CD packed with the sort of undeniable pleasures only the most churlish thug could deny. Go ahead get your jig on.