Testosterone is the attraction hormone. If you have a low sex drive, it can help you. Your problem does not sound like an sex drive issue.
Applying testosterone on your clitoris is not going to help you get a vaginal orgasm. It will enlarge your clitoris and make you more horny.
What you are experiencing is normal. Most women does not orgasm from vaginal penetration, unless they get sufficient clitoral stimulation at the same time. And you know this. You are describing it in detail yourself above. Even when you are controlling your sex toys yourself, you cannot give yourself a vaginal orgasm.
So you have 3 choices:
* Live with it
* Find a sexual position where your clitoris get enough stimulation. Normally you on top where you control your full sexual experience and you can angle your hips to grind your clitoris on him.
* Take your vibrator to bed with you. While he is inside you, use it, or rub with your fingers, and grind, and let him rub your clitoris with his fingers.
Best of luck!