What you are describing sounds more consistent with a mild tight foreskin condition rather than severe Phimosis. Since you are able to retract the foreskin completely in the flaccid state, and you are not experiencing pain, bleeding, tearing, or cracking during masturbation, it suggests that the tightness is probably mild and the foreskin still has reasonable elasticity.
Many men have slightly tighter foreskin during erection because the penile skin stretches differently when erect. The important concern is whether the foreskin can move comfortably without causing pain, trapping behind the glans, tearing, swelling, or difficulty during intercourse. Since your earlier urologist examination did not identify any major problem and mainly advised hygiene for smegma buildup, that is also somewhat reassuring.
However, if the foreskin feels significantly tight only during erection and does not comfortably glide back, it may still represent mild phimotic tightness or a tight frenular/foreskin ring. In some men this remains stable without causing major issues, while in others it may gradually lead to discomfort during intercourse due to increased friction.
Next Steps
For confidential and supportive guidance regarding foreskin health and sexual wellness concerns, you may also connect with us at 9 3 1 5 6 6 1 5 6 5.
Health Tips
Maintain gentle daily hygiene, avoid forceful retraction, keep the area dry and clean, use adequate lubrication during sexual activity, and avoid excessive friction or harsh soaps to preserve foreskin elasticity and prevent irritation. Thank you