Not at all. A married woman, particularly a Christian, could, should and usually does, have a great sex life.
I'll admit to being a little old fashioned. I know how men are and I know how women usually are.
For example, when you see a guy is the first natural thought to your mind "I'd hit that"? Probably not. But for most men it is. We try to supress that but the instinct is still there. In most cohabitational relationships the guy is there for the sex.
I'm not blind to the ways men and women approach sex differently, but the point is, men and women make relationship decisions that are mutually acceptable if not beneficial to both for their own reasons. To say that one is merely using the other if a couple lives together before marriage is overly simplistic and under estimates the responsibility both people have for their own actions.