I couldn't agree with you more.

For guys regular ejaculation can help prevent testicular cancer too, or so I read somewhere a long time ago.

either way, I think its natural, and healthy.

"When a woman does it, it causes her body to lubricate for days afterwards making it uncomfortable for her, not to mention the fact that masturbating is over stimulating."

Where on earth did you get this from? I can tell you first hand that I, personally, have to use a lot of spit (I dont waste money on lube when I got my own built-in lube factory *lol*) to stay lubed while going at it, and afterwards, everything is back to normal. No discomfort here!
Masturbating can be over-stimulating, if you go at it a few times a day everyday with a vibe. It can desenstize you, but its not permanent. All one has to do is quit using a vibe for awhile and like I said before, everything goes back to normal.
Its quite natural, and archeaologists have found stone "penises" that they believe were used for the very purpose.

I do agree with samee.. so keep enjoying..