Never from PIV and it took me over 30 years of active sex life, including 2 marriages, before I learned how to get a partner to make me come. I still don't come EVERY time because I really love PIV with my current partner and I don't always feel the need to come as well. In the past I didn't enjoy any part of sex enough to want to do more of it, and it was so easy on my own i just did that.
There's some anatomical issues - there was a study a while back suggesting that women who had less than a particular distance between the vaginal entrance and the visible clitoris were more likely to come with PIV. But much much more of it IMO is psychological, plus the sexual advice women get is frankly useless imo.