by the nature of sexual activity, it can be assumed that all responsibility lies with the man and his erect penis and the woman just lies there in submission.
i would argue that libido and yes, lubrication matters!!!! a woman needs to feel desire, needs to feel that she is participating/facilitating the act. hence, the need for lube...
as a woman on the verge of 50 with a 53 year old lover, i can say we do run into occasional difficulties...nothing that can't be resolved with imaginative D/s...
aging requires an open mind and ability to communicate desires