My girlfriend (21) and I (20) talked about having sex, foreplay, and the intimate things that regular partners do. I asked her if she wanted me to masturbate, and she said yes. I asked her again if she wanted me to rub my penis on her pussy, and she said yes, but she's afraid of licking or eating her pussy.
If I accept her offer to rub my penis on her pussy, I feel like I want to penetrate because it seems like she might also want it, or I might just surprise her and penetrate because i think it feels so good. We are both still virgins, and I love her so much. What can I say to her? should i ask her that I'm ready?