Lol I just read this entire post a lot of it was amusing! So if this girl is toast... great. She was using you, but not to hurt you I'm sure. She wanted you to be her friend. She wanted to roll around and play with you and snuggle and cuddle with you. THIS does not mean she wants sex. Women are so confusing that we confuse ourselves. Pointers for future references. The problem is the first thing you have to figure out is what type of girl you are dealing with. Some of us give it up, and some don't. The majority of us attach sex to a relationship AND a woman that just wants sex with you is going to be assertive and upfront or show you repeatedly that she wants you to make a move.
I confess that the guy I'm with now. We hung out with each other. Maybe around a month. I came out to his place one night for dinner, drank wine and fell asleep on the couch. He woke me up asked me if I wanted to stay, he gave me clothes and basically cuddled with me all night. The next morning he had wood. It happens and of course I could feel it pressed against my ass.... weird feeling when your not sure where the relantionship is going. No I did not have sex with him, I'm a I don't give it up girl. Anyway staying there didn't mean I wanted sex from him. But I fell asleep. The girl you were dealing with wanted someone to hold her. She missed the warm body in her bed.
Never Ever EVER do what one guy said and just take out your little friend and start playing with it. Even if I did want the guy BEFORE, it would creep me out so bad that I would leave and never call him again. Once again comes down to the girl your dealing with. Don't worry about being a virgin it will happen for you when the time is right. Most of the time WE KNOW when your making a move. Its rather funny, because it's all so different.
So I'll give a real life girl opinion describing myself and what I would be receptive too. In person, I'm shy at first and put everyone into the friend catagory. A guy would have to make the move to show me he wanted more or it's never going to happen. I have never had one just flat out ask me what do you want? And that would rather embarass me. MOST if the time if a girl lets you get close enough for full body contact, you can look for signs.
Personally if your against her back, move her hair and start on the neck. Softly, don't be disgusting and slobbery that comes later in the relantionship

Nuzzles work the best, soft kisses. You know gentle like the first time you kiss someone. Seriously DO NOT go directly for your two main goals her breasts and her sex. Horrible I know to say this but pay attention to her body language at this time if you can. My first reaction would be to freeze and not move at all. Because I would have to take in what I was feeling. You know run your hands along her rib cage. You have to work your way around a woman. The more aroused she is by what you are doing the more receptive she's going to be to your next move. And I would say for a first time occassion with a girl start at the top and work your way down.
Anyway I've typed enough I think to take up an entire page so I'll shut up now. Seriously though your best bet is to talk to a woman when you want to understand one. I think since you are not used to dealing with us you should do the slow moves. None of the cloth's ripping intense stuff. I just think you would be too nervous. Goodluck!