Twice recently I've had older, unfit, slightly immobile clients who really seemed completely clueless about what to do with a woman - thankfully full sex with both wasn't feasible, but they both rubbed me for ages all over, with no oil or anything, and sometimes quite roughly with the heels of their hands. Especially around groin and breasts, it's really pretty unpleasan and uncomfortable! Female genital geography was clearly a complete mystery to them, and one kept pressing my urethra.
I just kept thinking - god, if you have a wife, she has my sympathy.