First of all, wear a condom. It'll make it hurt less for the both of you, you won't get worried about getting any infections up your urethra, you won't have shit on your penis. Everybody wins there.
Second, having your girlfriend stick her fingers up your ass doesn't make you gay any more than you masturbating does. You think only gay men like having stuff in their ass? Every time you masturbate you're tugging a penis. Think about that for a moment! Having anything in the ass is no more natural or unnatural for a woman than it is for a man, so there are no double standards here. Her anus isn't any more capable or built to let anything in any more than yours is!
And finally, you said "I think if i go in there it will hurt me more then her". This is all the more reason to go slowly and make it an enjoyable experience for the both of you. If it's too tight for your little guy then it's just as painful for her. And you asked if the pain was worth getting anal, you've gotta think about her pain here too!
I say let her do what she wants with your ass. Who knows, you might enjoy it. Let her do what she wants and when she's had her fun she'll be more likely to let you do the same. Good luck!
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