if you dont want to swallow, just keep going until he comes, in your mouth, then discreetly spit into a napkin or towel. dont hawk his load like your spitting normally, i think most guys are cool about the whole spit n swallow thing. think of it this way.. a guy is going down on you and right...
your vagina is super elasticy and wil stretch to comfortably fit a tampon. the problem is probably that you are dry and its hard to get ANYTHING IN LIKE THAT. try to use a water based lube or , i know it sounds gross, but saliva works great too, around the applicator. my cousin told me this...