I am afab, and also get the white stuff around the clitoris and in other skin folds down there. There is more of it if I'm active/sweaty, and if I don't wash it regularly, it gets itchy. As far as I understand it is similar to smegma, mostly dead skin cells and sweat combined. I did some research on other sites with discussions of cis-females and it appeared to be a fairly normal thing so I didn't pursue it medically. The amount seemed to vary a lot person to person, with some having a significant amount and some not even noticing it normally. The clear fluid is likely cervical secretions. Normal discharges can vary a lot. In general though, if it's itchy, smells bad, or is a sudden change, you should get it checked out.