I agree with Gilda - even when you're not talking about one-night stands (in which case sex has little or nothing to do with intimacy anyway), it's about the stages of your relationship with the other person.
How many people have you held a joint bank account with? Fewer than you're had sex with I'm guessing. Does that make sharing a bank account a more intimate act? No. It probably does require more trust (and intimacy) though.
Back on topic, kissing is still a far more intimate thing than the actual sex to me when we're having sex.
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