You are still quite young and forget about settling down for awhile. Live life a bit, you'll be glad later and so will your future life mate.
If sex is important to you (at 22 I would think so...

), and your present girl is not interested, move on. Match your girl to your goals. Have some fun, but not so much that you end up with an STD or go to prison.....sow a few oats....then settle down.
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...out
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You haven't countered nothing, because the points you made are not valid, you are basing your counter on information you don't understand, regardless the accuracy of the information, because it does not state what you are saying.. (Brazko)