Do I have a problem? Phimosis? Balanitis?

Good Day, I'm 23 and was wondering how bad my problem, if there is one, is. I went to the doctor today and said I should have a circumcision, but I've read online that this is usually the most common way for doctors to solve problems, he told me I have inflamed glans and phimosis. Anywho, also reading online I've determined that I have Type 1 Phimosis, or this is what I believe, and it isn't necessary to have surgery, using creams and stretching daily can often cure the problem. When it's flacid I can retract it normally but a ring forms around the glans (sometimes). When I retract it while it's erect if there isn't enough precum there is tension and can only retract it as far as behind the glans because of the frenulum, causing a mild discomfort that will increase through time, while if there is enough precum there isn't a problem. Quick responses would be really appreciated as I'm really scared and paranoid about having surgery which I would like to avoid at all costs if possible. Attached photos for reference. Thanks in advance. PS. The glans on one of the images looks a bit darker because of shadow.

So, let’s take the most relevant part of what you are saying - and, first and foremost, this is your choice - you decide what happens to your body:
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" I’ve read online that this is usually the most common way for doctors to solve problems
… also reading online I’ve determined that I have … Phimosis … and it isn’t necessary to have surgery, using creams and stretching daily can often cure the problem. "
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So yes, for the vast majority of males simple stretches are all that are required. Some can do the stretches for a matter of days and see benefits straight away, while others need to do them consistently for a number of months to gain the right form of benefit.
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When you say: " but a ring forms around the glans (sometimes). When I retract it while it’s erect if there isn’t enough precum there is tension and can only retract it as far as behind the glans " - what you are describing here is known as Paraphimosis.
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What you need to do is a search using the following key words as we cannot post external web site addresses on here:
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  • Wiki - How - 3 Ways to do - Phimosis Stretching