Lube?

Hey guys! Whenever I have sex with my bf we always use lube is that a bad thing? Yesterday we tried it without lube but it was too painful and we had to use it. I’m never wet when it’s time to have which he’s kinda concerned about but he doesn’t finger me nd do all the other foreplay shit?? I had sex during my fertile window he pulled out but is there a possible chance of pre cum?