hi,
i think this is pretty normal .. im kinda the same, i dont really like direct contact with my clitorus, it feels much better for me when its touched outside my pants, although when im having sex, its the stimulation on my clitorus that makes me orgasm... weird.
anyway, i dont enjoy guys giving me oral at all... it feels kind of good but not nearly enough to make me orgasm.
I dont think there is anything particulary wrong with us, it just differs from person to person, some of my friends hate getting oral too, whereas some of them LOVE it! its all a mystery to me...