Hey,
I'm a female. Most of the time when my husband and I are having sex, it's OK. So we ALWAYS use clit stimulation so I can enjoy myself too. I've never (I'm 42) had an orgasm with only penetration by the penis....it just doesn't do enough for me. There's nothing wrong with clit stimulation. If you want to enjoy yourself, then do it. We buy massagers at walmart and use that for the 'stimulator'.