Many of us like being touched in and on our private areas but what others have written just rings very true for me as well.
Need to have a LOT of lubrication, not just a wet finger, and a man needs to understand that the clitoris isn't some lugnut that needs to be rubbed hard.
And for a lot of females, rubbing the clitoris directly is sortof painful, especially if we're aroused. It's too sensitive. Some of us have a special spot that isn't right on the clit, but to the side of it. Everyone is different.
And if you're doing something right, then keep doing it. Don't go harder or faster.
Same with oral sex. Men bite. Or chew. Ugh. Or they're too rough. Start soft and slow. Then ... figure out what your partner likes.
I know that most of you already know this, and the ones that don't won't be paying attention. And that is the ... cough ... rub.