Problem with Penetration- TMI BEWARE

My hubby & I use lube most of the time we have sex, and it still takes me at least 10 minutes to mentally warm up so that it doesn't hurt when he puts it in. Sometimes we try to do it without lube but I have to be extremely turned on or it really hurts. 
​Is this normal? Or can most ladies just let him stick it in without pain?
​We are TTC & I wanted to spice things up so we went on a date then I drove us out of town. Parked the truck & tried to have sex & his penis literally would not go in! I was so small & dry! Big dissapointment!  I know everyone is different, but are most ladies just able to have it go in without lube??