I can’t get wet unless I’m using my underwear

So I’ve had this problem for at least a year and a half now, I’m 20 and only a few years ago actually even started trying to masterbate. Up until then I was way too scared and just didn’t know how. If I’m being honest I hate the way down there looks for me, it looks nothing like diagrams, and there’s a weird crumpled bit of skin at the bottom which I have no idea what is. But that’s besides the point, for the longest time I have masterbated by just rubbing myself through my underwear. And it works great, I get wet and feel pleasure, even though I’ve never actually orgasmed before. But at this point it’s getting frustrating,I want to climax and I never can. I’m too scared to put anything inside of me of course, and from asking around before it seems I should try to move onto just touching myself without any underwear in the way.

I tried this a few times but every time was the same, it felt cold and instantly I would just dry up. If I was wet before from rubbing myself through my underwear the moment my hands went exploring I’d dry up. No more horny. It was frustrating, I can’t even find what I’m meant to be touching and sometimes I even end up close to tears before I just can’t figure my body out. Today I tried to use gloves like a few friends suggested as I don’t like the texture, but once again the same thing happened. Dry and cold from my room. I didn’t even feel horny anymore by the end, I just wanted to yell in frustration. I don’t get it, why am I not horny? Why do I not get wet? I don’t have access to lube, I live with my family so obviously I can’t buy any. I just feel so upset, I’m a virgin too and single so there’s no hope of me just asking a boyfriend or girlfriend to help me out. What do i do? Is something wrong with me?