Quick question..

Right ok, I'm 16 and a virgin.. anyways when I masterbate (with fingers) does anyone ever imagine that it's someone's dick so you talk to them.?? What's that point where you literally say anything because you're having a good time? If I'm honest, I'm kind of confused what an orgasm is.. am I having an orgasm?? Anyone just answer my question on what that point is..

(No my vagina doesn't spasm and yes I cum but not more than like normal..?)