Stretch your foreskin to loosen up the phimosis. Do this in the time between now and you having sex. Afterwards, continue this whilst you're waiting for a urologist.
Do not jump right into a circumcision. Exhaust all the stretching options first (there are many threads and other detailed sources of info on this, have a look on Google). Circumcision is an irreversible procedure which you should not take lightly. Considering you'll be out of action for a long time after a circumcision should you choose it, you've nothing to lose by stretching first, which will take a similar amount of time. Do it every day, and don't give up!
On to your questions:
--You can have sex with phimosis without a condom, but the more severe the phimosis is, the less pleasant it will feel. For a relatively mild case in which the foreskin comes down but with some resistance, sex without a condom can feel more or less fine as long as the vagina is very lubricated. Your case sounds severe, so I would not recommend you do it without a condom, lest you cause some damage.
--If you put your foreskin up whilst putting on a condom, it won't move up and down during sex - not more than a mm or two, anyway. It might be able to move a little due to the extra space in the condom end teat, however due to the condom's tightness plus the closed top end, the foreskin has no room to move.
You can trust me with this because when I first started having sex with my girlfriend, I still had a mild phimosis problem which I had almost cleared up. I felt more comfortable leaving the foreskin rolled up, and so for the first few times of sex I left it there when I put on the condom. Sometimes this was okay as long as I was really, really in the mood for sex. However, since the foreskin camnnot move behind the head in the condom, it really cut off most of the feeling. When the condom is rolled back during sex the condom itself is the only barrier between your inner penis and the vagina. The foreskin adds another second thick layer to this, and since most of the feeling when masturbating comes from the foreskin's movement, when it came to sex I could feel very little other than it was inside her vagina. This actually led to losing my hard-on during sex quite often, and wasted a lot of condoms which you can't obviously reuse.
That being said, the foreskin hardly moves much itself during sex with it pulled back inside a condom, since the snug fit of the condom prevents it moving much. The feeling comes from the exposure of the sensitive glans and inner penis and its movement.
I';m not trying to put you off - if it's the only thing you can do, then by all means you should do it because the feeling of trying to force back an unmoving foreskin will not make sex work out. For the time being, come to the compromise of keeping the foreskin ahead of the glans inside the condom, until you've done enough stretching to make a particular difference. Get a prescription of Betnovate ointment or cream for this - rub a little of it on the foreskin whilst you stretch; this is the key to making it work quickly. Betnovate's steroid content thins the skin and makes it far more receptive to loosening after long-term stretching. This is well-known medical knowledge and a doctor should give you this with no problems.
And once again, never have a circumcision done as your first choice. It is a permanent change and you may regret it if you turn out to dislike the results. Stretch the foreskin and do it for months before you consider that - it's not a quick fix; it can take weeks to months to recover from and you are unlikely to want any sex during the recovery period. You've nothing to lose by stretching first.