In responding to your question, i think that having experienced what or something similar to what you're writing about may add something to your story but it's not a necessary requirement. It depends more on your ability as a writer to use your imagination and writing skills to make the story believable. A fine example of that would be me and my writing. i've experienced none of what i write about in my stories, yet most people that read them do enjoy them and say they are believable and/or sound like actual experiences, and that is including both sexual and nonsexual elements. i'm probably one of the few virgin submissives around the forum and i tend to just watch everyone else unless i've got something to add/say so i enjoyed being able to comment on your question.
~Artemis~