If the Vagifem appears not to be dissolving properly, you might be too dry inside, so could insert some Yes VM beforehand. Also, putting the Vagifem lower down, on the anterior wall of the vagina, might help with urinary issues. Two a week is a very low dose. Latest recommendation from the BMS is every other day, or up to 5 a week.
Not sure what the doc means by "white rim", have you had a look yourself? If it is general pallor as opposed to white patches, that's probably lack of oestrogen, but good to get checked out for lichen sclerosis anyway. Some Ovestin or Estriol Cream for the external bits would be a good idea either way. Very wise not to use steroid cream until you know for sure!
JP x