Neither, she's had sex plenty with past boyfriends. We're not dating though, so maybe that's holding her back? I don't have much interest in being in a relationship with her though. From the way she talks about it she doesn't want a relationship either but wants to get physical with me.is she a virgin or inexperienced? that might be why.
I've done all the things in the post above which she's okay with but any attempted escalation above that and she immediately pushes me away and says no.