The skin tearing that you've heard about is also called 'popping the cherry' (cherry = hymen). This is a thin membrane. This isn't something to be overly concerned about, aside from the fact that you might have a couple of spots of blood. Many women have little or no hymen by their mid-teens ... and some still have their hymen even after sex! Having (or not having) a hymen really shouldn't affect any comfort levels.
In order to make your first time more comfortable, you'll want to make sure you are physically and emotionally ready.
The emotional side means feeling really confident that you are making the right choice. This will allow you to enjoy sex more, rather than worrying or being anxious. Worry can make your vagina clench up, and also make it harder for you to feel sexually excited.
The physical side means taking plenty of time to kiss, touch, and become ready. This means allowing your vagina a chance to get wet - as well as feeling that you physically really want to have sex.
It's understandable to be worried about sex, but remember that sex is supposed to be something really enjoyable!
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