I think we have the same problem
http://ehealthforum.com/health/can-t-cum-d
uring-sex-t142137.html
my guess would be that we r used to a more intense feeling when we do it ourself that when we do it fo real we can't cum without it ...
a help that I'm using is a Fleshlight if u don't know what it is google it, it's a male sex toy... same problem there when u use your hand to move it u can have more speed and it feels better but if u go hands free it only feels good but I've noticed that if I keep training it starts to feel better everytime ... first time was an empty feeling I've worked myself up to that it feels like I'm gonna cum but to cum I still gotta move it with my hand at a greater speed but I'm getting there..
I stronly recomend it cuz it's just like a real pu**y so the right feeling is there u just gotta get used to cumming with the motion from ur hips.. of course u could just do it with a girl allot to get used to it but with the fleshlight u can try new things to see if those works better or not if they screw up then u don't have a girl thats wondering why u change speed all the time

.. u gotta know how to make yourself feel good before u can make anyone else feel good