The term for overhang is acroposthion. Mine is at least two inches over and past the glans when I'm not hard. I had one doctor in my twenties who offered to refer me to a surgeon for a cosmetic reduction. My reply was, you're probably circumcised and don't know what it's for. End of conversation.
When erect, my glans remains covered--with some to spare. I wouldn't have it any other way.
PS and no. I never got it caught in a zipper