My ex had a similar situation. She loved penetration but needed clit stimulation to get to to orgasm. On a few occasions she climaxed in her sleep next to me. She'd wake up horny af from the dream orgasm and we would go at it. And she would orgasm with just penetration. She was on top and was grinding back and forth as apposed to bouncing if that makes a difference to you. And she would cum in minutes.

I think the best thing to do is when you wake from these dreams, immediately start with penatrative masturbation and do it the way that feels best to you. Or even try to replicate your dream. Perhaps you'll reach climax then. And it might act as ripping of the band aid so to speak.