I have never had belly fluff either, but I sometimes wish I did lol. I like sticking things like grains of sugar in mine to pick out sometimes. I can see how it would feel gratifying for you to pic...

I don't find this abnormal, I find it sexy and creative.

I have the same thing. My belly button is extremely sexually sensitive. I play with it a lot because of that. It just feels amazing and makes my "down there" feel incredible.