yeah never use that excuse!
my girl was a virgin too and I was her first. we took it slow. it was probably about a 2 months before we got to tops off. but it was purely her decision, i never even asked if she wanted to do it. (well it might be a little different in my case cuz she was sexually harassed before we got together and i didnt want to make her uncomfortable)
a month after that we were going to travel for the holidays but our plane got cancelled and the airlines gave us a hotel for the night. it was like an unplanned romantic night. we were just fooling around when she just told me that this moment was perfect and that she was ready and we did it right then. i was reluctant considering her past and the fact that it was my 1st time too but we actually had a pretty good time.
and yeah i get ur point when you say you dont want to plan it. and i think she has an idea this is going to happen but just to be on the safe side, you should ask her. it shouldnt be awkward anymore. im sure she'll appreciate that you care about her.
oh and if you do end up having sex do not skip the foreplay, it'll ease her into it.
Within you I lose myself. Without you I find myself wanting to become lost again.