Hi Pascalmassey,
It sounds like there could be some underlying issues. She has some dryness, doesn't allow you to touch her clitoris, won't let you go down on her and her views of hygiene and sex.
I'm thinking (and this is just a guess), that she is thinking about it a lot, may have been raised to believe that sex is a dirty act and hence not really getting into it as much as you would like.
I think having a sit down and talk with her about it may help and see where she ising from.
I would be interested in what a lady would have to say on this matter.