Adult women only please...?

I think you need to get to the bottom of this, before you go any further with the relationship. Is she wanting to wait until marriage, or is it more about all aspects of intimacy, like you said? I don't think it would be inappropriate to come out and ask her at this point. Maybe she has some or abuse issues she is dealing with. If that's the case, it could be years before she is ready for intimacy - if ever. That's something you need to know about, because right now you don't have a huge amount of time invested, but you probably don't want to get 3 or 4 years down the line, and still not have any answers. This may sound cruel, but you are not under any obligation to stay with her, if she is unwilling or unable to move past this. I'm not saying she should put out or get out, but you need some reurance that if the relationship does progress, and you end up married, that she is able to have a physical relationship with you. Good luck.