Crazy talk, I struggled with masturbation for 4 years. Then I detached myself from "traditional interpretations" and started searching the scriptures myself. 6 years out from that ridiculous time in my life and i've developed into a balance individual who isn't running to the pews in a fit of self hatred everytime I feel sexual attraction, which, being a young man is all the darn time. Your extreme example is ridiculous, I could say that reading your Bible is dangerous then too, considering all those maniacs in the crusades who cut, sliced, and diced men women and children in the name of God.
God created man and woman, looked us over in all our nakedness and said, oh baby that is GOOD. Seems to me like the Lord smacked a stamp of approval on human sexuality. That includes masturbation, the lovely images of a woman(or man) you see in your head, the attraction, affection, etc. When it becomes wrong is when it becomes abusive, when it starts to exploit others, and believe me there is plenty of that going on without the ghosts of the desert fathers rising up to proclaim positive sexuality to be disgusting.
and although I don't have any personal experience as a woman, my suspicion is that women need it to, just not as much as men do.
You want to read the only treatise on human sexuality in the Bible? Read song of songs and look through the symbolism.