Sex Is Difficult: Over-sensitive clitoris..?

[GiuGiu]

I love my partner, he is my world, and I am so attracted to him.  We used to have sex all the time, including foreplay, but now it has reduced to once a week if that, and it is often the case that one of us never reaches orgasm.  Firstly, I think that maybe the two of us are subconsciously preoccupied with worries surrounding my depression which has recently been very up-and-down.  
   But the main problem is my clitoris.  Even when I am aroused and ready for sex, when he touches it it feels like he is touching my urethra, if you can imagine it?  I tense up and I feel like I need the toilet.  It's really bad, it makes me jolt and twitch, and sometimes I try really, really hard to ignore it and relax but every single time I find myself pushing his head away and it always ends the same - me crying in bed.  
   I ask him to move further down but obviously as it is nowhere near my clitoris I never reach orgasm.  It's getting me down, I miss that connection.  We're still happy of course and very in love, but I just miss that feeling.  

It's too sensitive for him to touch, basically.  No matter how ready I am, it is uncomfortable.  Is it psychological?  Is it physical?  I miss him, I miss us.  It's sad.  Please help??

[GiuGiu]

I was used to female ejaculation when our sex life was very active so it's not that.  I do have some sort of muscular problems with my urethra though, I have quite bad bladder weakness and have had all my life - could that contribute to the sensitivity?  

I don't think it's psychological.  I do have bad depression but I'm currently in a happy phase and it's made no difference.  I just can't even let him touch me, it makes me jump.  When I touch it with my own hand - the way you do in bed subconsciously and that - it feels normal like any other body part, then he touches it and it's like it's completely bare and raw.  

It's making me sad :(:(

[thatquietgirl]

Have you tried urinating before sex?  It might help.  I know there are times when I do that, though, that I still get the sensation of needing to urinate as my orgasm builds, but if you just relax and let it happen, it feels awesome.  You'd not literally be peeing.  It's called female ejaculation, or street term "squirting," and is perfectly normal.  If it's instantaneous as soon as you initiate sex and stimulating that area, then it's probably not that, but if it happens as things progress, it may just be that.

It is possible it's psychological if it's never happened before recently.  Does it happen if you do things to yourself on your own?  (I know it's usually preferable to do things with your partner, but it would be one way to figure out if it's psychological or if it's something physical.)