One night when I was horny I tried something different with my wife, who had gone to bed earlier and seemed sound asleep. I got naked and moved close enough that I could hear her breathing and see her eyes. When her eyes started moving the way they do when someone is dreaming, I lifted the covers and let them fall back on her, but my hand was now over her pussy. She was wearing a negligee and no panties, so I could easily slide her nightie up. I also managed to get some lubricant on my fingers, to sort of "jump start" her pussy.
I pressed a little harder as her breathing stayed steady and her eyes kept moving. Soon my middle finger was right on her clit, and I could feel it getting hard as I slowly rotated around it. I was also getting stiff. Her eyes kept moving so I got more vigorous and started making wider loops down along her labia and across her vagina, but always returning to flip her now stiff clitoris, without actually touching its most sensitive area (she says that hurts).
She made some sounds but I didn't stop, hoping she was having a really sexy dream. She seemed to be getting excited in her dream and suddenly her eyes opened. She didn't say anything, but after a few seconds she smiled and turned away from me, pushing her vulva back toward me- so without any hesitation, I slid into her soaking wet pussy and began fucking hard. She probably came more than she ever had before and I had such a wonderful orgasm too. Maybe it was so good for us both because I had spent more time playing with her pussy than I usually do.
The next morning when I asked about it, she claimed she did not remember having sex. So my fantasy is that I do this with ANY woman I know or have seen anyplace - I sneak into their bedroom and reach under the covers - they never have on any restrictive nightclothes so my fingers can go right to work on their lonely pussies and get them all hot and bothered, while watching their eyes to make sure they are dreaming.