Factors that break ghusal

Q: I suffer from severe OCD. I constantly think I am napaak and worry about my prayer not being accepted due to it. So I'm constantly changing my clothes and doing ghusal. I know that normal vaginal discharge only breaks wudhu and that you only have to do ghusl if you have intercourse, wet dream, or orgasm. But sometimes I get very confused. Sometimes I will randomly feel tingling and feel some discharge and will be confused as to whether or not I have to perform ghusal because I don't think it was an orgasm because I didn't feel weak after, or fulfilled, or pleasure or anything like that. It just happens and I get very scared because I think I will have to do ghusal again because this happens frequently and at random times I can't control. Please help me. I am constantly obsessing over this. In this case do I need to perform ghusl or just wudu?

Q: I have a problem whereby without any desire sometimes even well after intercourse a few drops leak out after I made gusal. What do I do? Sometimes I am travelling and not in a position to change and make ghusal. It even happens just before salaah after I make wudoo.

Q:

1. While doing ghusl I was putting water in my mouth and then suddenly I sneezed and a drop of urine came out. In this case do I have to re start my ghusl or continue with the same one?

2. While making istinja after reliving myself, I just put water over my private part three times but I don't put water in the tip of my private part. Is it okay?

Q: Sometimes when I am lying in bed with my wife, I feel some drops come out without getting an erection. And after about 15 minutes the stain from these drops goes away. I am not sure what these drops are; water, pee, etc. Does this require me to do ghusl or just clean the area and do wudhu before praying?

Q: I know that it is compulsory for Muslims to take a shower after sexual intercourse (having sex) but what if there were no actual sex involved and your wife plays with you till you cum? She was still fully clothed. Its more like relieving himself but his wife does it for him, none of the discharge fluid touches him.

Q: If a husband enters his finger into the vagina of the wife, then does bath become necessary for wife or not?

Q: After having intercourse can a wife pray without taking a bath just doing wudu? If a bath is necessary, is washing the hair also necessary?

Q: Can you please check if I have understood this properly: A man ejaculated during intercourse, he urinated and then did ghusl then more semen came out without desire, before taking 40 steps, urinating or sleeping will he require new ghusl? I read that he would not need new ghusl but this is what I was taught:

A man ejaculated during intercourse, he urinated and then did ghusl he took 40 steps, urinated or slept then more semen came out without desire. I was taught if it happens like this then no ghusl is required. Are both correct or not?

Q: In heavenly ornaments it says if a woman ejaculates and has ghusl and then more sexual fluid comes out of her she will require ghusl. Is this after 40 steps, urinating or sleeping - or does that just apply to men? Does the book mean if more comes out with desire? How is this understood?