If she's not doing it in public just don't worry about it. It usually is just a phase. She'll catch on to societal rules about such things soon enough. I just tell Clara to be careful and to keep her hands clean. I watch how I phrase things because like you said I really don't want her to be uncomfortable about her vagina or ashamed but it is something that is meant for home only so the one and only time she was sticking her hands in her pants at the grocery store I just told her that she should do that at home and handed her something to hold instead. The biggest problem I have with Clara is that she's still in a diaper and when she moves her diaper aside to stick her hands in there I am never 100% sure there's not poop in there so I find myself checking her diaper LOL. DS1 is constantly playing with his penis, it's almost a joke now.