What Are The Side Effects Of Excessive Masturbation?

I am a 26-year-old girl. I have been masturbating via clitoris since I was 4! I have lost my sense of pleasure gradually. I lost its strong and uncontrollable feeling when I was 12 and after that time Its feeling has become less and less and of course shorter and shoter. And also my sexual arousal is becoming less and less. My clit have become numb so my sexual arousal is becoming less. It just takes 2 second with a lot of attempt to reach orgasm and its feeling is not satisfactoy!
I can't have orgasm with a boy and I don’t enjoy my sex and oral stimulation! I know there is something wrong with me and this makes me depressed. I just had one boyfriend when I was 23 and I cried after any contact we had.
I am virgin because in my culture having sex with a man before marriage is vice! And I am afraid if it is a serious problem and also intercourse won't give me the pleasure and orgasm. Have I hurt myself? Is it a defect? Have I damaged my nerve? Is it possible to have the clit feeling back?
Please help me, I am afraid of having sex with a boy.