Gah, I didn't read the question properly, and somehow thought it was a "what do you prefer" poll.
I need to stop posting and voting when I'm tired.
Although I have gotten off with just internal stimulation, it took so freaking long that it's only happened once so far. So while I technically can
orgasm from internal stimulation, I generally see the internal as an additive to the clitoral.
As for toy breakage, I usually just toss a toy that's broken and either get another if it was really good or try something different (though some manufacturers have nice warranties, including the makers of my favorite toy - lucky for me!). If one were to break in use... well, I'd be annoyed, but my clit and hand get along with each other just fine, so I wouldn't be in danger of not finishing.