Fret not Tracy....
Much like the Cosmo letters pages.....(enuff said)....I'd take some thing with a wee pinch of salt.... sweet-pee, that you see typed here....lol
And I would imagine you're right re the puberty halt that would limit the T hormones (which have been trialled on GG women to increase libido)... with dubious affect... that could have had some impact on you.
However, women's sexuality is in fact far more complex than GG men's! Less physical and more mental for sure. The NMR based study work is very revealing. This is why the holy-grail of a female Viagra is still not on the market...(and yes the bio/tech/pharmas have been searching)....
I'm 52 and would honestly say I orgasm more through masturbation than I ever do through basic intercourse... and like you do not come on demand... or every time. But sometimes I can and even in unison, if my lover skilled and into me enuff

(This makes me exactly the same as the vast majority of women out there)
Love making is not like you see on TV, in mags, in films and most importantly not like you see in Porn, at all... well maybe amateur stuff, but even then everyone's different....there is no generic we're all individuals what's good for some isn't for others.
And for me getting a fanny (vagina) was not because of the sex I was then going to have....not at all in fact. With me personally the sex thing's just been the bonus....not the main motivation at all....
So don't worry to much my dear about what you read here....you have a beautiful face and youth on your side, so revel in that for a few decades or two, and I would have been thrilled too to have my puberty stopped when you did.
(but sadly not)