Thanks for the advice man and sorry I took so long in replying, power's been down due to poor weather here.
Well, I spent the night at my GF's the other day. We had a great time, lots of fun, really enjoyed it. I escalated slowly to begin with, and after a fair few hours of teasing, fooling around and stuff we got to the next stage, although didn't go the full way - I think the first night was too soon anyway.
What I did notice was she was reluctant to let me do much below her waistline, I teased her playfully, did a lot of foreplay (top was off, gently kissed her upper body). We dry humped and then when making out she was teasing me below, but it turned into pleasing eventually. We were taking it in turns to tease each other, but she made me stop because she said 'She couldn't take it anymore' with a smile - I took it as a good sign. She was enjoying it, but as it was the first night didn't want to appear slutty, I respect that.
I think I made a mistake in asking her, after she had said 'Stop it' a couple of times when I tried to go below, whether or not it was too soon for her. She said yea and I said I respected that, this was before the stuff above happened however, so at least it ended on a high rather than this lil' moment of AFC-ness - although is the fact she knows I respect her and am not pressuring her a good thing ?
Hopefully next time I'll be able to escalate things to the same stage a bit more quickly and soon she'll let me give back to her the excitement she gave me

. I love the girl and like the fact we've reached the next physical stage.
Shit, sorry for the long post. To anyone who reads - thank you.