I'm not coy, inexperienced, nor uncertain. If I "tap out" I am oversensitive, or have lost interest. I suppose loss of interest is curable. It's a side effect of some orgasms, causes a brief refractory period. Making out while hanging out naked is the only known cure. It's not that I'm wrong about being done, it's that I've rebooted, and am no longer done. I WAS done. But that was then.
For me, there is no ladder. I have one orgasm at a time. I do not return to the pre-orgasmic plateau as some women do. I go back to the beginning, unaroused. Sometimes, I'm no longer aroused, but still interested in providing pleasure. Sometimes, I'm no longer aroused but willing to pretend I'm still interested in giving pleasure. Sometimes, giving pleasure will reinvigorate my arousal. Sometimes, I want to sleep or eat. I almost always am down for a snuggle. Sometimes, I'm ready to get dressed and leave. Always when I say I'm done, I'm done. At least for the time being.
Men have tried to eat me out at that point. I hurt most of them, either physically, or emotionally. (Physically when hypersensitive, emotionally, by accident, when simply disinterested.) I have tried to see what happens if I let a man keep going. I become distracted when disinterested, and my lizard brain makes me do something violent (either lash out, or buck) and escape when oversensitive. The key to my libido is somewhere in my mouth. The fastest path to reboot is kissing. I love to smooch and be held. I can only say "stop" and push a man away for a few seconds before instinct takes over and he's in peril.