Hi zack,
I encounter the same situation as well. When i finger my gf she moans alot, but when i enter her, she doesnt seem like enjoying much. At first she doesnt want to do raw, but after i persuade her and did it once, now she doesnt want me to wear helmet (i shoot outside). I'm worried about pregnancy as well as i'm not ready for marriage.
My advice for u is to talk to her about the consequences of pregnancy + marriage, and insist on helmet during sex.
Seeing bro oralcraz giving u sex tip, i would also like to reccommend u on my fav position which my gf moan the most. She'll be lying back first in missionary position, with her legs on my shoulder. I'll be sitting, butt on the bed and both legs arc inwards to "kiap" her waist (which acts as a support). Then simply use your butt muscle and move in and out. Of course, its an individual thing, but my gf likes it in this position, so i think its worth a try