So I'm not a very sexual person, just saying that up front. My libido is very low and has always been that way, even as a teenager. For me, sex always felt very awkward when I still thought I was a man. It kinda worked, but I always liked giving oral to my gf more than anything because I felt like her being happy was way more important than me being happy. I had trouble staying hard a lot. In hindsight, I'm pretty sure that was because I didn't feel comfortable performing as a man during sex.
Now, after 19 months on HRT (pre-op), I can't get hard at all without a magic wand, so penetrating someone is quite unrealistic. But I also wouldn't want to. I do however like performing a more feminine role and like receiving oral more than I did before, even if I often don't cum from it. I just feel way better and more comfortable in my body.
All in all, for me personally(!), sex is such a small part of life that I would never ever delay a transition because of it.