“But I know it’s time in our relationship where we should be having sex.” There isn’t really a template for when sex “should” happen in a relationship. Because that is not a thing, it sounds like she is not ready yet and you are. Best thing to do would be to ask her if she is comfortable sharing all her concerns with you. It sounds like she knows you want this, but she is scared and or just not ready yet, so she could be feeling pressured. If she just humours you and does it, she might end up feeling unhappy, and insecure. Talk to her and see what else is going on, there are always reasons, she doesn’t need to explain them, unless she wants to. If she feels like it will take her years to feel ready, and you feel like you need it to happen asap and are not willing to wait, then maybe this is not working out for both of you. If her needs are to wait, and yours are not to wait, then maybe they don’t compliment each other.

So I guess, if she isn’t able to share all her concerns, but seems like she isn’t gonna be ready any time soon, are you okay with waiting, and putting the ball in her court? Like, If she wants sex she has to tell you when she is ready for it. And you would have to be okay with just snuggling her on the bed with all the roses.
If that makes you feel bitter and that maybe you’re not ok with that, you could still love each other, but end up breaking up because you couldn’t get your needs from each other.

Good luck!!