Writing Sex Scenes

To be honest, I have written sex scenes in all three of my novels. In the first two, I later edited them out.
I have just finished writing a sex scene in my current novel so it is still there -- for now.
Here are the possibilities:
The sex scenes are gratuitous and don't carry the story so I cut them out.
I'm mortified by the fact that my children and parents may someday read the book with the sex scenes, so I cut them out.
I'm just not very good at writing sex scenes, so I cut them out.
I'm a prude and get embarrassed at the idea of sex scenes, so I cut them out.
For my latest sex scene, I tried to make the lead-in exciting and then jumped over the details. I mean, everyone knows how those things work, so I probably don't need to go into great detail. It's the emotion and the reason behind the sex scene that I want to focus on.
In my current novel, following great sex that involves chocolate mousse, the Frenchman tried to convince the stalwart Midwesterner to sell the multi-million dollar painting that her uncle took during World War II. So, is it a seduction for the sake of sex or for the sake of manipulation? See, it might actually play into the book.
At least, that's my story for now and I'm sticking to it.