Not sure about the lactating... but of course a doctor would know! I know they may freak you out (I'd feel the same way!) but they really have your health and best interest in mind whenever they have to "check out" those private areas. If you still don't want to go get a doctor's opinion I would at least advise that you "leave yourself alone" for a little while. You know, give whatever's bleeding time to heal (you said it was getting better already). Just wait a little while longer so that you don't end up making things worse; if you absolutely HAVE to masturbate then I would strongly suggest that you at least put the "fingering" on hold for the moment; keep your hands etc. outside so that nothing starts to bleed again.
Hopefully it will just go away in a few days... if not then the doctor really should be the next step. However if you just take a bit of a break for a bit you might get lucky and the problems will go away on their own