Clit stimulation doesn't feel rly good??

So I'm a (19F) who's a virgin but just started getting intimate with my (20M) bf. I'm still not ready to have sex yet and he's been very patient. The furtherest he goes is rubbing my clit over my underwear and tbh I don't know If I like how it feels. I wouldn’t say it feels good but more overwhelming, so chat am I broken? He's done this around 4 times, and it doesn't feel as pleasuring as I imagined it will. Even when I touch it myself It easily feels too sensitive.

Also it might be important to note that I don't mastrubate often and have never made myself finish which idk if is normal 😩

Any advice will be much appreciated 💕