lol sorry to disappoint Omega lol
i was a late start i just jumped into sex. i never had a b/f when i was like 13 or 14 and we fooled around and did fun stuff. kinda wish i did but anyhoo.
i have tho, to tease my b/f if he's already naked ill straddle him while im still wearing my panties and kind of ride him a little. i guess that could be considered the same thing but we have much fewer clothes on lol.

definetly RUN w/ the breast/nipple stimulation. encourage her to do the same to you.
during sex, and im on top it feels really good but as soon as my b/f starts teasing my nipples, im in heaven.
then what takes me over the top is he'll start sucking on one nipple and pinching and playing w/ the other one. OMG! im there in no time
so yes, she was enjoying it!. ill often do that just close my eyes and slow down, focusing on how good it feels then ill find a good pace and go w/ it. then the closer i get the faster and harder i get.

id just encourage her to do what feels good to her when she's on top. i dunno what guys feel, but for the most part doesn't any rubbing or stimulation feel good down there?
for girls its got to be more localilzed ya know? does that make sense? lol

well ive never actually done it so i wouldn't know lol
all i can say is if she's on top let her do the manuevering and where and how much pressure she wants.
especially thru the clothes im sure its hard for you to pinpoint exactly where her clit is.