Pre-marital sex doesn't bug me on a moral basis, but it does on a personal basis. Frankly, I could give a rats ass what anyone else chooses to do in regard to their sex life. I've had full-blown intercourse once and will not do it again until I am married. Once again, it's not a moral thing. There's just too much risk involved, protected or not.

Now, that doesn't rule out other activity. I'm simply saving that one thing for marriage.