I`ve never had the slightest trouble in getting them between the sheets, but then I usually have outcalls to my home. Show them a tidily made bed with clean sheets and pillow cases, turn the top sheet down and they usually hop straight in. Once you`ve got her there you would presumably normally start with kisses and cuddles anyway and give her some oral to get things moving, and once you`ve got that far and you suddenly find that (surprise, surprise) can`t get John Willy to stand up after all you just laugh it off and say "not ready yet" (or words to that effect) and carry on with the kisses and cuddles - but it would probably be better if you don`t mention wanting to watch her with toys, my guess is that it`s that bit that keeps putting them off.