Perception and Fapping

(where to begin...)(note: will use "fap"+derivatives instead of "masturbate"+derivatives - it's faster and less heavy)

So I'd assume that for most people, to consider fapping to something the material has to arouse a person right?
But there's also the issue of self-insertion into the material and whether or not it's "right". Personally, I'm someone who self-inserts to the material: I like to imagine the senses and pleasure the characters feel in the video/doujin I happen to be watching. After all, the point to fapping is pleasure right? For the sake of sanity, I also don't self-insert too much past the pleasant circumstances.

Here's my issue: notice I said "characters" and didn't specify a gender.
Now don't get me wrong, I'm straight (as far as I can tell - and will prove), and to me the idea of even being in the same room as an erect penis makes me extremely uncomfortable. I don't find homosexual material arousing, quite the opposite actually. Hence, when I'm having fantasies or looking at material, I imagine myself as feeling the bodily pleasure the man is feeling.
()But sometimes, I also imagine myself feeling the pleasure that the woman is feeling. I don't have the proper anatomy, so I can't imagine how it feels to be penetrated vaginally, and I personally desire to never feel any of the other forms of sex performed with me as the receiving partner (english: I don't ever want to be on the receiving end of oral/anal/etc. - like I said above, homosexual material both disturbs and disinterests me).
()So what it comes down to, I guess, is that sometimes I self-insert as the female, and imagine the pure, non-physical feelings of pleasure she must be receiving. For what I mean by non-physical pleasure, I mean the sense of sexual pleasure you receive, minus the physical feeling of the body... if that makes any sense.
()Sometimes it feels like it just makes sense to me to self-insert as the female, especially if most of the "screentime" is given to a female and/or the males that show up are either "faceless" or far too many (read: gangbang material). In these cases it just seems to me that the one having the most pleasurable (willing or not be damned) sensations is the female, and so I self-insert.
()As for my reasoning, I mean, it just looks like such pure/so much more pleasure on the females' end some times. They look like they're having such extremely pleasurable orgasms and stimuli sometimes, and like I stated above, the point to fapping is pleasure right?
()Lastly the self-insertion, be it of either gender, is purely automatic and not consciously decided. It's not like I open up a hentai/porn and immediately think "ok, this time I'm going to fap while imagining myself as the guy". How I self-insert usually just develops as I read/watch through the material. Even more unusually, sometimes I imagine the pleasure being received by both the man and the woman.

So, what have I stated (a.k.a. a bad tl;dr version):
- I am straight - I do not find anything with the slightest homosexual tone to be interesting and actually personally repulsive
- I self-insert into the material... - I can't see it any other way
- ...But sometimes I self-insert as the female, not with any desire to physically feel their sensations, but all the pleasure they must be feeling


So, is self-insertion into hentai/porn wrong? And in specific, does self-insertion as the opposite gender have any implications or consequences?
Do you self-insert? Do you sometimes find yourself wondering how much pleasure the female must be feeling?

aside: this "self-insertion as a female" is the reason I can sometimes find NTR material to be arousing, despite my previous (and so far, only other) topic. By self-inserting as a female, I don't have to deal with imagining all the negative feelings the cuckolded must feel, and so the mental barrier to pleasure is gone. If I don't self-insert as a female when reading NTR (or can't for various reasons), then NTR just upsets me too much.

Well yes, I'm sane and mature enough to know to separate fantasy and reality.
Plus the obligatory senses of morality and logic that we're given as we grow.