I don't know what morals people are talking about?? You've had oral sex .. now that is still SEX!! It's like saying I'm Britney and I'm a virgin and an ideal role model but I've had oral sex with Justin a few times. What the ..??
The problem is she does not let you go in. Have you tried toys? If she takes in a plastic toy but does not want your real thing then you are better off somewhere else or simply w*nk yourself to glory for another five years.
Best thing to do is to make her feel comfortable about the whole idea of penetration. Get her some books or articles etc.