Attempted to check my own cervix

My midwife doesn't do any type of internal exams unless I go past my due date and I am going crazy wondering if I'm dialated or even close to being in labor! I'm 38 weeks. So I googled instructions on how to check myself but I'm honestly so confused! I squatted down and inserted two fingers, very very quickly (maybe half an inch in) I felt the "puckered lips" the instructions described. I could fit a third finger in, so does that mean I'm 3cm? After the puckered lips thing, I can go very deep. Too deep to ever feel an end! The instructions said that I would feel the bag of waters "like a balloon" but I didn't. Am I doing it wrong? Another question, if I were able to feel the bag of waters with my finger, would my husband's penis hit it while having intercourse?! Helppppp