I have two considerations/possibilities here. One is that she has values and she is sticking to them. The second is that she has some hang-ups about sex and is using the other reasons as an excuse. if the first is true, then that will disappear if and when she has the commitment she feels is appropriate. If the second is true, then it will get worse.
Fear of disease really doesn't explain the problem with feeling "sticky." That leads me to think there is more to this. I wonder if you're not dealing with some form of sexual aversion problem.
I'm going to agree with the previous post that communication is the key here. This has been going on long enough, you've laid your cards on the table, and I think it's time to ask her to do the same. Sexuality is obviously very important to you, and I would encourage you not to marry until you know what is going on here. If she is just preserving her value of being a virgin when she marries, then I applaud her and you should be grateful for what you've found. If she has other reasons for avoiding sex, then this is a time-bomb waiting to go off. You don't want to be married then find out she has a major aversion to sex, which is one possibility that really jumps out at me here. I think it's time for her to be as open with you as you've been with her.
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