mattcast, i think i'm in same situation.
1)it hurts when woman is on top;
2)too long sex (you are tired but can't finish it);
3)i have frenulum breve too...but i have the surgery tomorrow...i'm a bit afraid but it will help me, i know...
I suggest you to visit doctor without telling it to your parents (if that's possible)...
By the way I used method to cure phimosis like it was written on this site and it really helps (except for my frenulum breve).