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Why is it OK for her to go to the dermatologist with you to get the wrong ideas, but not come here and participate in the discussion? Are there perhaps things you do not wish her to know?
Anyway, as long as you are actually doing the stretching, you should get somewhere. It concerns us when people want to talk all around the subject without ever genuinely starting. If you are hooking your fingers fully inside the foreskin so that they sit beside the glans, then by either leaning them together or inserting extra fingers to "pack" in, you should be able to hold the stretch for much longer periods without needing to rest. And you are correct - pulling away from the glans as you do this, with one finger in the frænulum as you do it, will incorporate some frænulum stretching as well.