Web, There's no way to explain things without explaining things. She'll get over her reluctance to talk about it, I promise you.
Just take the conversation lightly. Explain that you just realized that the two of you view it differently (probably due to body chemistry) and therefore you will need different solutions for each of you. You are stating a preference of your own (I'd prefer to keep going until I O) and she is stating hers (I'd prefer to call it a night rather than continue trying). Put it on the table, my friend, aint no other way.