I gotta say, I'm confused and you're giving contradicting points
You say
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So I know how I feel about her, that I want to be with her and take care of her.
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I don’t know 100% I want to be with her I am also on the fence.
Which is how you really feel? Do you want to be with her and take care of her, or are you on the fence?
You say she started to get distant and less sex, but it sounds like that was before and separate to the physical problem.
You say you are around each other 24/7, but you go to work, don't text her then, and come home and do your own thing. Is it that you 2 spend too much time together, or you 2 are strangers in the same house?
Also, what is the she puts herself in situations where she could be unfaithful thing about?
Tbh, I feel like you're looking for reasons and giving her excuses. Relationships sometimes end. People get together and realize they don't really see themselves being with the person forever. It has nothing to do with you as a person. She knows her feelings about sex and living together, so if she says she doesn't know how she feels about you, it most likely is not because of these things. I don't think that penis in vag with numbing cream is going to make her change her mind. I disagree and kinda agree with heywood here, that you should cheat. I think you should look elsewhere but not to make her wonder. I think whatever you do should be for your happiness, not to change her mind to be crazy for you for a while then go through doubting again.
All relationships aren't meant to last forever, and you too are young and went married couple style. You could be an amazing guy but where is this heading? Can she see herself with you forever with no other opportunities...because that's the choice she has to make everyday. The reason people move in together when older is because by then they typically know what they want. She's young and doesn't. You too. She could be amazing but have you too been through life enough to know what you want forever? Because the next step is marriage and all that. She's being realistic and at her age these feelings are going to go as long as she is with you or anyone.
In college, we had a saying "Never wife a freshman." And that was because even though you could be a senior or junior and fuck a freshman, you take her seriously as a gf, and mid year she will realize what she is missing out on and dump you.
Edit: Agree with breeds. If she wanted the intimacy and affection, she'd still be affectionate, sex or no sex.