DB,
It depends for me. If we haven't had sex for a month (god forbid) then heck no I will not need anything. But if we have sex 4 times per week (which we often do) and are exhausted from caring for our two little kids, we have a tendency to break out the lube instead of going for extended foreplay to accomplish the same thing. It is a life stage thing for us--someday when the rugrats are not so exhausting (yeah, like when they move out, ha ha) we will presumably have more time to devote to getting me wet naturally.

P.S. Tim, YES the AG is just like natural wetness! Love the stuff!