The reason or excuse is irrelevant. You either choose to believe her, or not.
The result should also provide you with clear direction on advisable next steps in your relationship… If you cannot believe/accept her when it matters, then it's time for a new girlfriend, or a new you. Or, perhaps both?
Your question is needlessly detailed – it's a common problem for women, that men don't cut their nails, period.
It's unattractive to see a guy show up for a date with dirty nails, or jagged bitten nails. One of the easiest ways most men can boost their attractiveness, in fact, is to properly care for their nails… Not just clipping them, but also filing (not that difficult or time consuming), or even getting the occasional manicure.
It's not a sign of being a hipster, or a threat to your sexuality, guys. Just a really easy way to emulate one of the many practices women use to look good… You get the same benefits, you understand what women go through a little better (go ahead, compliment her nails if they look good, it's the little things), and yes, fewer complaints during hand sex… Though I'd still recommend going the glove/lube route myself, for a variety of reasons.
Given the form factor of most womens' underwear, any penis over about 5" in length would be a little "awkwardly prominent" in most situations, assuming the woman was wearing pants, shorts, or other form-fitting outerwear.
Apart from fashion considerations, many men might also feel threatened if the last bastion of masculinity, the actual physical penis, were somehow co-opted by the fairer sex.
Women, men, or polar bears… People want what they want. But when they actually get what they want? Wow, that feels good!
You could probably make the argument that the harder something is to get, the better that "wow" feeling becomes.
Thus, in a society that has historically shunned public expressions of homosexual sensual expression, seeing two women of otherwise-perceived heterosexual orientation kiss can seem especially exotic and thrilling to the average heterosexual male.
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