I'd say my wife has experienced this - but even when having an orgasm during penetration - she has to find a way to get adequate clitoral involvement. Maybe it takes a while to get the hang of the right positions and movement to get the proper balance.
It was only after my wife finally got comfortable with being on top - Cowgirl style that she got really good at orgasm during intercourse.
You know what they say, "Practice makes perfect..orgasms!!" I noticed that once I hit about 30-32 I became VERY responsive to internal stimulation. It does get better with age, for me anyways.
I'd say I'm still pretty young, but with a partner I can manage it just fine. If I'm masturbating though, penetration doesn't really do much for me. I wonder why that is?