Yes to all of this, but recent research also indicates that one of the biggest killers of female sexual desire is boredom. If you aren't cultivating an engaging, interesting sex life together it's going to kill her libido.
“We were taught that men were the ones who needed variety, but the exact opposite turns out to be the case,” says Martin. “Overfamiliarisation with a partner and desexualisation kills women’s libido. We used to think it’s only men who became sexually bored after marriage; turns out that’s not true. It’s when women get married that it’s detrimental to their libido.”