Haaky,
I've thought about what you've said and your delemna... You are 22 years old. right? Been having thoughts about women and the gardens they have? Hey, join the crowd! You've been thinking of them since age 13, huh?
My best advice is tough to handle.... But here it goes.... Trust in grace through faith to cover any sins you have or have thought about. Do you think you have a wild idea or fantasy that any other man hasn't had? I'm 44. Maybe 45.... Lost count. But I got 20 or more years on you! I'm much more experienced in thinking of ways to sin than you are!
Dude, be a gentleman. Stick to your boundries. Consider a woman for her inward beauty and not her outward appearance. If she has both, great!
I gotta say this.... You asked where you could touch her.... You can touch her anywhere that her father, uncle and bigger brothers and cousins aren't around! If them folks are in the area, don't touch her!
I don't know you from spit, but a guy that is this concerned about his mortal soul probably is a good candidate to be an upright fella. Now, read 1 Cor 7.... The whole chapter. Realize that Paul was giving his own opinion on things and noting that it was not coming from God. BUT, Paul being a pretty good guy.... I'd listen to him even when his opinions arn't divinely inspired.
BUT.... If you find a girl and you cannot contain yourself.... Don't beat yourself up over it. It just means you may have lost the opportunity to give your wife a special gift. Or.... Maybe that is the wife?