Are my morals making me miss out?

[MISTER BIG T]

Is there any shame in doing it with a girl you don't plan on marrying

Absolutely not. "Saving yourself for marriage" just makes you be insecure and such when it actually comes to the point of being with your wife. It'll be even more disastorous if you're both virgins. And unlike people think, women think sex just as much as men. If you don't give her what she wants in any way, she may just walk out. (And she doesn't even have to be a nympho for this to happen)

I'd suggest the you should at least be boy and girlfriend, first. And, even then, try to talk more than kiss or "fool around", as you put it. If you're going to sleep with someone, it should be someone who shares your interest in train modling, or enjoys the same nineteen fifties si-fi as you. More chance of continuing into a stable relationship.

Sex does not equal relationship. Vice versa too.