Morning. Many report slight bleeding when beginning appropriate atrophy treatment due to the vaginal walls being very thin. 20 years is a long time to wait!
I've never noticed a smell with any product that I have been prescribed. This should be reported to your prescribing practitioner. R U able to describe the smell?
It is OK to use lubricants on the tube prior to insertion and don't push too far in initially. If necessary put the cream onto the finger to apply gently, ignoring the applicator, mayB around the vulva and labia first for a few nights and a little into the vagina entrance.
Gently gently. MayB add a little 2/3 times a day to loosen up the entrance. Don't panic, this will help the more that u insert.