Quite true. The only reason placebo pills were added to birth control pills was the belief that women "assumed" they should have a regular menstrual period (most don't realize it's the medication...or rather the lack of these hormones...that cause them to bleed periodically, not their own body).
Vaginal membranes are tender and there are blood vessels near their surface. Sounds like the finger may have open up a small one. Not really a serious matter since this was just a trace of blood. These seal quickly.
Perhaps you're worried your passed chlamydia onto the new girlfriend and are worried about picking it up again.
Have you told the girlfriend about this STD? Has she been tested for it since it appears you were infected at the time you first had intercourse with her and your posting does not indicate this was a protected act (perhaps it was).
Or, since your first sexual encounter ever resulted in a broken condom you may fear this happening again (it's unusual but not unheard of) and this is in the back of your mind during sex.
By the way, lasting "only" 20 minutes is NOT a problem; in fact, for many females this may be too long a time to have intercourse without causing pain and discomfort to them.
If you are in menopause, you are not going to produce much lubrication naturally. That's just the way it is. There is nothing wrong with using one of the many sexual lubricants available on the market today. Try experimenting with a few of these.
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