Clit, fingers, and cock

So when I masterbate I can’t cum unless I’m touching my clit, it’s the only way I can cum. But when it comes to me and my bf having sex, him rubbing just my clit doesn’t help, him fingering me does. I prefer his fingers in me over his fingers rubbing my clit, but when his cock is inside me my clit HAS to be rubbed otherwise I won’t cum. This one time he was trying to make me cum by just rubbing my clit and it wasn’t working so he had to finger me and I came over 10 times in one day by him doing that. What’s the big deal?