I'm with most people on here...
As much as I LOVE sex with my girlfriend (we have really good chemistry in bed)...if my male genitalia was lost due to an accident and I could never have sex ever again, I would be okay with it as long as she was still by my side reciprocating the love I give to her.
Me and my girlfriend also had this sort of talk about different ways of intercourse (because for a couple of days we were broken up)
Basically if you are" making love" to someone, like slowly and passionately, usually you do that with someone you love. Having sex and f**king are things you can do with someone you love, but you can also do to that girl you just met in the bar. Usually most people don't "make love" to people they have just met, because at least from my experience, there's like...a sort of connection that happens when you "make love."