Same bed, no sex? In a monastery perhaps, and not even sure..... I have had the same type of discussion with my gf recently, with the notable difference that she is a widow with three children, so her virginity is an old souvenir....
I do not mean to spoil the whole thing but I found on the Internet the story of a Frenchman who married a Pinay from Ormoc long ago and he says that very often a virgin about to get married with a western man surrenders her virginity to a local boy because it will hurt less (the old size story...). And this was confirmed to me by several sources!
By the way, if your gf is a real virgin, I would be surprised if there was no chaperone around..