is it just me?

When it come to sex, I have to already be horny and initiate it in order to quickly get to penetration. Like if my husband is hard and ready to go, it like takes me 30mins to get to his level. Plus I don't like him to go down on me and I only like my boobs played with when I'm already in the mood so neither helps me actually get in the mood. Seriously the only thing that gets me in the mood is innocent cuddling that leads to making out which then leads to sex. Am I too... high maintenance when it come to sex? I feel bad because my husband normally wants to hurry up and get to the sex part but if I'm not warmed up then I don't care to have sex.