Brief history: I'm a male, 23 yo, circumcised, and I haven't had sexual contact.
Symptoms: I don't know if this was a precursor, but before this particular problem broke out I had itching on the top right side (from my POV) below the ridge, that was about 5 days ago; I have had itching in that spot before but nothing like what I'm currently experiencing has ever happened to me before. I scratched it some, but I don't think I was scratching it incessantly. Since then, I've developed something around my ridge area from on and under my frenulum continuing to the right side (from my POV) under the ridge area. The area does not appear to be discolored, it seems very dry to the touch (relative to what I normally experience) and somewhat cracked, and it causes stinging pain with any kind of touch or friction. There are a few small raised bumps off to the right side that are faintly discolored, a lighter shade (I'm caucasian,) they are definitely not red bumps, but they are not plainly white bumps either from what I can tell. There is also a wider protrusion right under my frenulum that isn't very highly raised but is more painful than the smaller bumps, and it appears cracked. The rest of my penis seems normal visually and to the touch. This has been developing over the last 3-4 days, earlier on it was itching a little bit, and I still get that sensation a little, but mostly it's just stinging pain now. I applied normal water-based lotion to it a few times, was that a bad thing to do?
Also, for the last 5 days or so I've been experiencing a burning sensation when I urinate. I've never had that sensation before, but I guess I'd call it mild and not exactly unbearable pain. It's been subsiding but I still feel it. Obviously that's not a skin condition, but it seems like too much of a coincidence not to mention it as a possible symptom.
Please help, I'm worried and seeing a doctor isn't an easy decision for me.