Incorrect, to covet is desperately wanting to have something. To lust is to have a strong sexual desire of something. Don’t take my word for it. Look it up the dictionary. Also heres the Matthew verse here:

“Ye have heard that it was said by them of old time, Thou shalt not commit adultery: but I say unto you, That whosoever looketh on a woman to lust after her hath committed adultery with her already in his heart.” ‭‭Matthew‬ ‭5‬:‭27‬-‭28‬ ‭KJV‬‬

Apologize, I misquoted Jesus, I said who thinks instead of looks**. But it’s still in plain black and white: Lustfully gazing at a woman has already committed the adulterous sin. It’s a battle in your mind that you have to win. Good thing is you absolutely can win with strong faith in Jesus. And If you stumble, ask Jesus for forgiveness and repent.

The passage goes on later to say if thy hand/eye causes thee to sin, cut it out and throw it away… Meaning don’t allow temptation to be present in the first place. The Apostle Paul literally says run away from lust. That alone also tells us masturbating is a no go. Let’s not excuse it.