Re: too much foreskin or phimosis??
No, you don't have too much foreskin....short of tripping on it. It is the length it is, because that helped your ancestors to survive. Overhang during erection is perfectly normal, for a certain percentage of the male population. It makes penetration easier, and gentler.
The phimosis is easily fixed, by gentle, daily stretching. See the sticky on stretching a tight foreskin, at the very top of the Men's Health forum. It has everything you need to know, thanks to GeoffB.