My now ex-wife was nearly three years younger than me.

Last time I had PIV, and cum inside her, sex, was mid 1994 in bed, at night, with my wife - she was not really interested - scored 3.
A month or two later, again in bed at night, spooning (me behind) with my penis inside her panties and between her legs, rubbing against her pussy lips. I had to pull away before cumming - scored 1.
Since then nothing, not even a touch or kiss, ever again with her.
Penis In Vagina - yes
Oral - never
Back in the early 1970's my girlfriend said that my penis, and then my cum, and her orgasms reduced the menstrual cramping. Leading up to and during her period, it was intercourse all the time and as often as possible, which was usually several times a day.
She had to remove and wrap up her tampon as I would get light headed at the sight of blood and I still feel faint at the sight of another persons blood. My washing up afterward was OK provided I did not look too closely or for too long.
We usually had a couple of tissues handy one to keep our cum mix in her and one to wrap around my penis. She would lay on her back, holding her tissue over her, waiting her pussy to close enough so that when she inserted her tampon it stayed in.
Later, when I was married, to another girl, it was a no go time. I know that she missed her timing a couple of times, as she returned to the bedroom to get a tampon to put in. I could play with her, through her panties, but not inside her panties, or rubbing my penis between her thighs.
I live alone so I am naked all the time weather permitting. If it is cold tee-shirt and jacket and Sheepskin boots.
I lock the front door as I have young grandchildren that will just open the door and come in.
Shorts and shirt always handy to pull on if someone knocks.
I have been naked four days in a row, checking for mail and putting out rubbish was done after dark.