I guess it also depends on the specific anatomy on an individual level. What do I mean?
For example some woman have the tips of their clits relatively exposed and some have really long foreskins covering the clit completely.
I'll guess it is harder for the woman who have usually"covered" clits and when they get aroused their big clit get's exposed and then the sensation might be way to much and uncomfortable.
I guess to a lesser extend that applies to males as well, at least when they are uncircumcised. When the glans is usually covered and erection might not be as fun as it sounds.
And it needs months to desensitize after circumcision so that a rubbing glans in the shorts isn't much of a hustle anymore. I've read that some woman with very long foreskins even went to the extreme and had cosmetic surgery to remove the foreskin for them as well. For some it was the right decision and some regret it because of the constant desensibilization of their clitoris afterwards.
Do you have problems with rubbing yourself or was your question out of general interest?