Hello, So The First Time I Was Usina A Tampon,

Hello, so the first time I was usina a tampon, while removing it, it got painfully stuck on a skin that I didn't know existed! Now I have round a positition in which the tampon can smoothly go in and out painless. I am 80% sure I have a septate hymen and I have read about surgery but it really freaks me out! So I was wondering if it will be naturally torn or stretched with sexual intercourse or fingers and I really want to know if loosing my virginity is going to hurt a lot more than normal and bleed a lot. Thank you