For the majority of us, 'ringing that bell' is not nearly so simple.
Even women who can masturbate to a climax with no difficulty can feel quite anxious about 'coming' with a male partner.
This doesn't seem fair, because apart from the small minority of men who have psychological difficulties with sex and who cannot relax enough to ejaculate into their partner (delayed ejaculation), most males have no problem at all in climaxing during sexual intercourse.
But of course, in a man, the penis is the pleasure-provider. And clearly a penis gets a lot of stimulation during intercourse.