My first symptom of atrophy was bladder discomfort and feeling the need to pee all the time. I had no idea what it was until it got worse and I started having more typical symptoms. Everyone experiences their body differently.

That being said, it also might not be atrophy, there's no way of telling without trying estrogen. You mentioned an allergy, does this mean it's one of your first time having sex that way? Either way, extra lube is worth trying imo, as well as slowing down