Now, I don't know how many other females feel like this, but it can be difficult to relax when you're leaving yourself open and exposed to another. I mean, it's a highly sensitive area and to expose it to to someone who might not have taken the time to trim their nails carefully or might not realize that it's TENDER DOWN THERE and attempting to slide your fingers in before things are... ahem... relaxed and well primed can be mighty uncomfortable to say the least.
And now I see that I've kind of went off the topic a bit...
As far as female masturbation is concerned, I do think it's something that all women should do. One really ought to know one's self first and besides, it's loads of fun and a great stress buster as well.
But it's also, for me at least, not a complete replacement for being with another person. Healthy touch is a vital element to everyone and there's nothing like kicking back, letting someone take over, focusing all your thoughts on the sensations they're creating for you and having a long, lazy orgasm that doesn't want to end. Or several, if you feel up to it.
Myah!