the best thing you can do is use some lube. I like to use Astroglide it is a water base lube and is also great to use with toys.

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In addition to using the lube as recommended, above, how free is the movement of your foreskin?

Third, how well lubricated is your partner at the time you begin intercourse? If she is not very wet or the mucus well distributed it could account for the friction since your penis is not picking up some of the moisture.

So she pumps her body full of hormones at some risk to herself and yet you are too whatever to wear a condom?!?!?
Since you're new, I'm letting you off lightly here.

As to if she's ready or not - find, read, and then do the sticky post entitled The Program.