Something else to ponder...
If you are deep into a relationship emotionally (read: "in love") and you don't get physical for a long time, that can lead to a BIG problem: if one of you doesn't like how it is working out in the bedroom, it makes it all that much harder to move on.
Most guys have had one of those girls who refuses to do it with the lights on, or won't provide helmet shines, or is so completely ashamed of her body that she needs constant reassurance, or otherwise sucks (not literally) in bed - and that my friend is a big PITA. Who needs the hassle?!?
Now if these things are not important to you, God bless you! But if they are, I can tell you that if the relationship isn't mutually rewarding sexually, then it is not likely to be rewarding period. How many happily married, couples in modern times have rotten sex lives together?
Now the sooner you guys fool around, the sooner you can tell if you guys are down for it. Maybe if you know about how she is in bed, or what she likes, that is a plus.
In the meantime, you can have some interesting, open chats about sex with her. This shows her you are comfortable in talking about sex in a mature manner, and that you have a reasonable amount of self-confidence. Plus, if you hit it you'll know what she likes in bed, and that will lead to lots of BJs and she may even help you clean your Contour
And remember life isn't a bawchicabaw movie so just take it as it comes and at a speed that feels right for you. Don't let anyone tell you what to do...!