The point is that there
is considerable variability in the appearance of the frænulum, but extending to the edge of the urethra is in itself, quite normal.
Actually, it is just as much the position of the meatus which varies considerably, an extreme variation in this being referred to as hypospadias.
Certainly if you had a foreskin that would not retract, the frænulum has not been required to stretch out by normal frequent retraction, so you should persist in stretching it -
not by retraction (which may in fact tend to distort your meatus) but by the specific manoeuvre we describe here (just read back thoroughly to find it).
Whether your frænulum is liable to be torn during intercourse depends on how delicate it is - those fellows who complain about the frænulum being "too thick to be stretched" are by the same token, protected against it being torn - and simple common sense (perhaps not such a common attribute

). Tearing the frænulum
or tearing a condom both have a common cause; intercourse attempted with a young lady who is not
ready for penetration and insufficiently
lubricated to make penetration possible without trauma - which
also means it will be painful for her. This then represents
very poor sexual "technique" and bodes poorly for the relationship.