Perhaps if you do a word search on fornication which is defined as (Unlawful sexual intercourse on the part of an unmarried person) you will find your answer.
To me sexual immorality is
lacking sexual purity, going against conscience or the divine law; sexually wicked; depraved; impure; obscene; filled with lust.
God has a perfect plan to make sex beautiful. If you are unwilling to protect the opposite sex in this area and expose them and yourself to temptation, it is difficult for me to see how you define love. God has given you a gift to give your spouse. Are you truly so selfish that you are willing to give him/her an opened box with a used present? Or if this person is not going to be your spouse, are you willing to open someone else's gift?
Go for the blessing!!!!! Man doesn't do well dealing with sin. Grace is available, unfortunately sin leaves scars and consequences--hardly worth it for the person you are in love with.
Stand strong, this life is about glorifying God. It isn't about us. Change your focus from you to Jesus. I think your answer may become clearer.