Everything hurts... tips?

Hey ladies! So I have incredibly sensitive skin, to get straight to the point. I actually have lichen sclerosis (or something like that) which is eczema in my lady bits. It makes things rather painful for me. My husband has learned how to touch me through my underwear so that I can experience great orgasms, but skin to skin HURTS. And yes, sex hurts too; working with my OBGYN about that. Google isn’t helping me with my current quest, which is to find a way to come on my own. Never had a solo orgasm and I’m about to turn 25. I’ve tried two different vibrators and I just got a Womanizer through the mail today. The vibes feel ok, but start to hurt after a bit. The womanizer I assumed would be better, but where it was right on my parts, it still hurt like heck and I couldn’t even enjoy it a little. I enjoy being touched but don’t enjoy touching myself, and I honestly would just like to be able to orgasm on my own occasionally. Any advice would be super welcome. Any toy suggestions would be welcome. To sum up, touching my clit directly with anything sends me into orbit and not in a good way. How can I bypass the pain and just enjoy the good stuff?