I don't mind being fingered per se, but I do find that many of them can't do it without annoying me in some way. I actually prefer being fingered internally, by the way, to having them seek out my bare clit and rubbing the fuck out of it. (When they try to focus too hard on the clit I start to hump their hand like I'm horny so they can't keep rubbing it one spot.) I can honestly say that I've never minded being touched "too lightly." I mean, if they go very soft and featherlike, it will absolutely turn me on. The same goes for RO.
Internally, what annoys me is when they do what they think is the super-expert G-spot thing and strum the fuck out of what feels like my bladder.
For the cleanliness aspect, there are a couple of things I do. One is, obviously, to encourage them to take a shower or at least "freshen up" and wash at the sink. Another is to give them a thorough cleaning with hot, scented towels at the start of the booking. When I take the cloths out of the warmer, they are too hot for their genitals so I start with their hands and give those a good wipe. I can get a good look at their fingernails when they are doing this. If they look ragged, long, or dirty I won't let them finger me (and when they go to do so I will take their hand and look at it in front of them and say "I'm afraid these aren't really suitable for fingering inside." Most men are too abashed to argue.
The warm cloth now being cooled enough to go on the genitals, I will wipe around their balls and pull back the foreskin to make sure there's no cheese. If there is a lot of smegma, I may remark on it and say that oral will have to be covered. Again, they're too embarrassed to argue - as they should be. Finally, I will go down into their crack and freshen up the anal area.