I've had one for two years now. The actual insertion hurt to the point I almost passed out from pain, I've been told this is not normal, though it could be attributed to a low pain threshold.
No kids here and none planned. Since having one inserted the only difference I have noticed is my periods are much heavier than before though cramps are almost nonextistent - a welcome trade off.
No discomfort for my guy or myself during sex, if anything it has liberated us as we are not concerned with my taking bc or pulling out early.
Aside from the initial pain/shock the only factor that took some getting used to was having the procedure done while having my period.
I highly recommend it.