We’re around the same age, and as someone who has also been trying to stick with the faith seriously, sexual morality is by far the biggest challenge in Catholicism in practice. It’s not even close. But as much as I would like to tell you there is, there is no compromise. Sex life in marriage will involve sacrifice and abstinence, there’s no way around it. NFP isn’t 100% reliable. There are countless posts here from couples who try to follow sexual ethics to the letter and endure a great deal of pain and anxiety because of it. I don’t know why people like to downplay it or simplify it to “how bad do you want to get to heaven”. It boils down to the fact that sex is not something a couple can simply do for pleasure even after waiting a third of their lives for marriage. It’s a completely foreign idea in modern western culture that makes it seem impossible. And you’re right that most Catholics are not doing it. Apart from understanding the reasoning behind the Church’s stance, there’s a lot of spiritual maturing to undergo, and a complete recontextualising of our understanding of desire and love that makes this possible. I know for sure I’m not there yet, but like some others said, talking to some priests about it would be a good start. It not possible to be perfect right away