Women - Desensitized Clitoris, No Libido And Excessive Masturbation In Past

I'm a 25 yr old female, married for over a year, and my husband and I have little to no sex life. My heart is breaking because i need to find answers..

I learned to masturbate when i was 12 years old, over the years i've had to think of more and more erotic fantasies or else I can't seem to achieve orgasm. Stimulation isn't enough, and over the years i have rubbed pretty hard. I'm really worried that i may have desensitized my clitoris.

The very first time my husband used a vibrator on my clit it was the most amazing thing i've ever felt... but with more use it's harder and harder to find the right spot, and the batteries have to be FRESH.

Before we got married, i had never had actual intercourse, and my fiance and i would get pretty hot n heavy with petting or whatever. but now that we're married i have a VERY hard time getting aroused around him! I don't like having my nipples touched, we don't do oral because we're both grossed out by it, and i get grossed out by french kissing.

I have a hard time masturbating in front of my husband, i don't know why, i think that i get shy.. and another thing is that whenever my husband and i try to have a kissing session i start to giggle uncontrollably but i don't get aroused.

again, my heart is breaking because we don't have a normal sex life.. i'm desperate for answers... i waited to have sex until marriage and sometimes it feels like it wasn't even worth it.

EDIT: I also forgot to mention that when i do orgasm there's little to no lubrication created, and sexual intercourse hurts and doesn't feel good. I think that part of my arousal problem is the fact that I know that sex isn't going to feel good