I totally get where you are coming from. I was brought up with strict evangelical Christian parents who made sex before marriage to be an evil, shameful and unspeakable act. I can see the reasons and biblical teaching for not having sex before marriage but the 'sex is wrong' message that was perpetuated through bad teaching in the church up until this century (and probably still today in many cases) has damaged many marriages because of the taboo surrounding sex and the idea that we can switch from 'sex is shameful' to 'sex is fine with my husband' during the course of our wedding day is ludicrous. Like you I was a 'very bad girl' and had sex with a stable partner before I met my husband whilst he has only ever slept with me.
My point is, you are not alone. Almost all of my friends who are married and were brought up as devout Christians have issues in the way that you describe. It is important to get past this point for a healthy marriage. In my experience, there are a few factors that often creep up as factors that perpetuate the problem. They may not be issues for you but I'll list them anyway.
Communication. So often the problem in a marriage. We talk at cross purposes because we 'tick' slightly differently to our spouse and don't know how to express ourselves without hurting our spouse. If you can afford to buy Nicky and Sila Lee's marriage course DVD plus two workbooks, you'll find it very helpful to work through and start discussions in a healthy way.
Hormonal contraception. Possibly not a problem for you as a RC but the 'symptoms' of how you feel physically during foreplay are more common when your hormones are imbalanced. We used to joke that the pill was a very effective form of contraception for us because it totally killed my normally high libido.
Porn. So many Christians have such limited discussions about sex that they are even more impressionable when they receive the majority of their sex ed through porn. This is a huge problem because then people think that what they see in porn is all totally normal and to be expected. For some people it is, for others it's simply not what they find pleasurable. Again, this may not be an issue in your marriage but it is in many Christian marriages and it's traditionally a taboo subject.
You may find counselling/sex therapy helpful if you are finding it hard to communicate and overcome the issues.
I'd highly recommend reading the 'five love languages' book as well because it sounds like your husband has a different 'love language' to you and you need to understand each others language to understand their behaviour. This has been key in our marriage, especially in our sex life.
Sorry for the long post but I hope it is helpful.