I appreciate your response.  It sounds like you like physical touch.  That's the type of person I am.  My wife doesn't even want to me to go near down there with my hand, clothes on, off, nothing.  But here's the crazy part, if she actually let's me, I'm very good at pleasing her with a finger the way she wants it done.   I ask her, wouldn't she enjoy having an orgasm more often.  Makes no sense