I bet Onodrim hit it dead on. My ex was the same way about sex. We were together for a few years and penetration still had her on pions and needles. It's not to say our sex life suffered, but it could've been a lot better. After we broke things off (the first time) and got got back together briefly, she was finally ready for it. Maybe another guy had got her head in the game... I really don't want to know. But yeah, it's likely emotional/mental. And that will only be fixed when she's fixed it I believe...
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