go for second opinion and see if it's actually necessary.

is it causing you any discomfort when erect or when the foreskin is peeling?

try using lube and oil to assist you in peeling, see if any improvement in 2 weeks.

but i am not physician, this is not medical advice, if experiencing any discomfort should consult professionals instead of ChatGPT.

then i think abit unnecessary to circumcise if RM3k is hard to shell out currently.

try to do more peeling exercise (within range of comfort), and maintain good hygiene.

personally i clean up by at least washing the glans after pee. weird yes but i think it's better than having urine leftover on our peeners.

last time had an acquaintance their phimosis is completely unable to see their glans and painful/uncomfortable when trying to peel, this really need to potong or professional advice.