Just to clarify a couple of things though, It's not so much "down there" that she thinks is dirty, its more her wetness. For example, I can touch close to her vagina and between her thighs and buttocks, but whilst we are making love, and her fluids spread around these areas my hands are 'nicely' directed away, however during sex she will stimulate me further with her hands even though I am wet from her.
And also she absolutely enjoys our regular lovemaking(as regular as possible at almost 40 with young kids!), and has never felt sex/making love was yuck. We have discussed this when touching her comes up. She says she just enjoys "ME" there(not my fingers etc) She does get plenty of pleasure through our sexual contact, which she has said, but also I can usually see it in her face. And I love that, but I often wish she would give herself the chance to enjoy other forms of stimulation as well. Her thoughts about her sexual juices hampers this though.
Massage etc certainly will do no harm, but that usually results in lovemaking as we both become very easily aroused by each others touch, even from non sexual massage
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