There are reasons for circumcision. They include gangrene and frostbite.
Circumcision does not cure BXO, so even if you have BXO, circumcision is no guarantee.
Treating with steroids leaves the foreskin intact, and has a better success rate.
When women get the equivalent of BXO, LSA, no one removes any part of their genitalia.
It might be BXO. It might also be simple vitiligo, loss of pigment, which is usually harmless. You could find out for sure, by visiting a dermatologist.
The tearing you are experiencing is normal, when you have a yeast infection. Yeast infections, if allowed to become chronic, cause phimosis. The yeast causes the skin to tear. When it heals, it heals as scar tissue, which is less elastic than skin. If you cure the yeast infection, you can stretch the foreskin until you can retract. Canesten is the usual treatment for a yeast infection.
Circumcision typically removes 50% or more of the skin of a penis. It either removes or damages the two most erotically responsive parts, the inner foreskin and frenulum. There is nothing which circumcision fixes, which can't be fixed by gentler methods, except gangrene and frostbite.
Here is some good information on fixing phimosis, by daily gentle stretching, with your fingers. It is well worth the effort.
In case the cut and paste doesn't work, this info is in a sticky at the top of Men's Health, called stretching a tight foreskin. Best of luck with this. Stretching To Fix Tight Foreskin (Phimosis)