If you cannot retract when flaccid, then painful intercourse is
most unlikely to relate to a tight foreskin. The reason is twofold, firstly that if sexual lubrication is sufficient there should really not be enough force pulling the foreskin back to cause it to be stretched to a painful degree, and secondly that it is only when it is such that it "nearly" retracts, that it is strongly stretched by the glans acting as a "wedge" to open it out further.
The cause of pain is more likely to be either an adhesion (read back here regarding the "
balloon test") or a short frænulum - so I really do recommend that you be working on the frænulum stretch - indeed you should be doing this instead of worrying about "paraphimosis" - when you have the foreskin loose enough to slip back
easily (which you will need the "two finger" method to achieve) you will want your frænulum to be loose enough as well or you will
still have a complaint about painful intercourse - even presuming that you have sorted out the lubrication problem.