not a laughing matter---so do not be so hard on yourself!! continue this very good practice....always wash before masturbating......sensitive skin as you mentioned can become easiily irritated if you do not wash ya hands before masturbating....for instance if you were using a chemical of sorts....or a harsh abrasive this could be a problem....especially if you have an open cut or sore that is not noticeable at first.....sure...... germs can penetrate your penis ... even ..shaking someone's hand and masturbating afterwards can be a problem....germs travel...arnmchair psychology aside you are doing the right thing