Let's get one concept sorted for a start.
Healthy skin does not tear.
If then you are getting recurrent tearing, then the skin is clearly
not healthy, and if you developed an infection which most likely was Candida ("thrush") at the age of 20, then it is most reasonable to assume that your subsequent problems are just the same condition. I think the tearing is actually
the cardinal symptom that confirms persistent "thrush".
You did not mention
itch in association with the inflammation, pain and discharge associated with an obvious infection at the age of 18, but even if the major infection was with another bacterium, the root cause was most likely to be Candida in any case. The only other contributing factor might be the use of soap (or "antiseptics" or various other "hygiene" products marketed to unsuspecting victims). I do however have to ask whether as "a shy teenager", you nevertheless had any sexual encounters?
It is then
most important that you correct the problem of an unhealthy foreskin first, and
then consider how to go about stretching - which will be along the lines we frequently explain here. Just look back at
what we (I) have explained before regarding Candida treatment and the need to do this
before and to continue
whilst stretching and perhaps then proceeding with the betamethasone.
As to recourse to doctors, it is not merely a "very sensible idea" to consult a dermatologist rather than a urologist if one needs to for a foreskin problem, it is more like a 99%
certainty that you will not be sympathetically and correctly treated by a urologist.
The reason is absolutely simple - a urologist is a
surgeon whose specialty is treating
diseases of the urinary tract and more specifically those
requiring surgery. And he is probably (at least as one would hope,) quite good at it. But people who do not have diseases (and phimosis is not in general, a disease and certainly not an indication for surgery) are generally not
referred to a urologist, and certainly
should not be. In regards to the foreskin, urologists tend to be "one tune musicians" - you want it cut off, they will do that (though no better than a general surgeon would, if it comes to that),
that is what doctors refer people to them to have done, and that is what they do.