How do phimosis dick people able to enjoy their sex life???

Hi I'm M(22) here. I have phimosis I think. Basically while hard I cannot retract my foreskin fully. While erect only small portion of head is visible and I feel uncomfortable pulling it back. I can retract it back when It's not hard. I'm able to keep it hygiene by washing my dick when it's not hard and clean it very well. But I'm worried about how it will affect my sex life in future. Currently phimotic people how do you deal with it?What do you do to take care of your sex life? Also to people who overcome this,how did you do it and what can I do? Over reddit I saw in other posts people suggesting keeping circumcision as the last option. What exactly are ladies' opinion regarding having sexual encounter(if any) with such partner and your experience.