Well, seeing as I can't get ANYWHERE on my own and have only had three clitoral orgasms in my 23 years of life - all with a fairly intense vibrator and a LOT of time - my answer is toys. Always. In fact, I keep them on my nightstand so that they're always within easy reach, and my boyfriend has no issue with it. THat could also be because they're all blue and none of them look anything like an actual penis... Somebody needs to make more green toys!
Toys are great, but I like atleast having the ability to do it manually, which I find decreases if I've been hitting the toys especially hard. If I go off the toys for a bit, my body recalibrates and manual stimulation works again.
Toys are also great for when you're just starting out or trying to become orgasmic for the first time. All the manual stimulation in the world wouldn't have helped me before I knew how it felt to even get close.
I'm a toy girl, absolutely. Although, it's not always two toys at once. If I want something quick, a bullet on my clit will do just fine. I can get off with just my fingers, but I generally don't, because I've woken up the next morning with my clit sore, before. o_o