Lube - nothing but her natural lubrication and my saliva. Maybe we need to try something else. How should I bring this up with her? Well, how about the truth "Honey, I know that you hurt after we ML and I like to try something to see if we could help change that."
Pain - she doesn't mention anything about pain until the next day - Never during sex (except for a couple of times when she mentioned in a certain position I went to deep and it hurt - which I have avoided doing to her since). I think the reason she doesn't want to have sex twice in one day is that she thinks that will lead to more pain.
How long to O - Depends and it doesn't seem to make a difference to the pain - although honestly we haven't talked that much about it - but we should. Our ML sessions usually last roughly 30 minutes (sometimes longer sometimes shorter) - usually split evenly between oral sex/foreplay and actual vaginal sex. So I guess the answer to that question would be around 15 minutes of actual penentration.