What you’re describing doesn’t sound like something is wrong with him. It sounds like something is protected. And yeah, it could be virginity. It could also be fear, shame, inexperience, or just not knowing how to cross that line without feeling exposed.
The part that matters most isn’t the sex. It’s that he stops and says you’ll understand eventually. That tells me he wants to tell you, he’s just not there yet. And the fact that he’s affectionate, present, consistent, and emotionally open says this isn’t about using you or playing games.
You don’t need to push, and you don’t need to guess out loud. Keep doing what you’re doing warmth, reassurance, no pressure. But it’s okay to say, gently, that intimacy matters to you and you want to understand him when he’s ready.
If he’s your dream man, this isn’t a dealbreaker yet. It’s just a pause. And pauses can be okay.