In fact, you're looking forward to it. This body already feels better that you've ever felt as a human, let alone a man. So when the twinges and shudders tense up in your groin, you're ready for it.
Looking down past your breasts, you crack a toothy grin at just how tiny and out of place your dick looks. Sure, you knew that monkeys had smaller penises proportinally than humans did, but this is almost humorously small, despite how rock-hard this whole process has gotten you. Your powerful abs tense up, your breath hitches, and your hips jerk forward. You peel the banana in your hands, wrapping your lips around it, and on a whim imagine it's your own dick, running your tongue and lips up and down the length. This tips you over the edge, sending your hips bucking and stomach clenching as your dick goes off, emptying your balls of their final load as you writhe in pleasure. It twitches and shrinks, spurting your seed out until you're completely empty, sputtering feebly. Without anything to pump out, it turns in on itself, retracting down the length of your shaft as if you're literally cumming your inches away, pulling flush to your groin and sinking beneath the surface, the head speeding down your rapidly forming inner passage. On the way it starts pulling on your testes, pulling them inward by their tubes like someone reeling in a fish on a line. With soft pops they dart beneath the surface, leaving your scrotum pulled up against your groin as they go, almost swimming into place before warping and blossoming into new and fertile ovaries.
What was once the head of your dick finishes its journey, nesting definitively into place as your new clitoris, while the passage it had been leading shoots past it, narrowing as your new cervix forms before bursting outward into the cavity of your womb, all the nerves and tubes carefully aligning themselves and hooking together. On the outside, the remnants of your scrotum shift and warp and slide around, settling into the shape of your new outer lips before plumping up, your new inner walls quickly slicking them with feminine juices, the muscles of your pelvis bunching up and strengthening your passageway, clenching as you immediately grow tight and strong enough to clamp down with your walls on whatever you please.
By now you're definitively female, a strong, lithe, and beautiful mixture of monkey, woman, and chimp. But your changes aren't quite done yet. A heat starts building in your stomach, spreading down into your sex, the lips filling out and your mound puffing up, driving you wild with heat and wetness and need. You'd heard that some primates went into heat, or estrus, and apparently you just got thrown into that deep end. You try to distract yourself by focusing on the banana in your mouth, but when you reach down for another, you realize there's only one left. An oddly long, thick, straight one.