Getting sex, but still frustrated??

Yaaallllll. I need advice. I’ve been married for 3 years now. We have 3 kids our youngest is 10mo. We have sex 1-2 times a week but I dread it and can’t get off without toys during sex anymore. I rarely get wet on my own and sometimes it even hurts internally. I tried telling him I’m sexually frustrated and he’s right - there’s nothing else he can do. We used to have wild sex and now I cringe. I’m just not interested in sex with him. Idk what to do. Has anyone ever gone through this? I can’t and won’t just cheat to be satisfied. How are we all of a sudden no longer sexually compatible? Any advice??