Despite what cultural depictions would have you believe, it's just as normal for a girl to masturbate as it is for a guy. Same for viewing or reading items of a pornographic nature. So if you want to do these things and it makes you feel good, then by all means go ahead.
If you need lube at a young age, that doesn't mean anything's wrong with you.
Carry condoms in your purse. Leaving it to the chap 100% of the time, especially if it's not the same chap, doesn't always work out so well.
Don't feel bad if you can't have an internal orgasm (or have great difficulty doing so). It's the same for most women. On that note, guys who tell you something's wrong with you if their cocks alone can't get the job done aren't worth the trouble. Real men know about fingers and tongues.