There are more ways of being physical intimate, than sex. Kissing, cuttling, back rubs, holding each other. I know I can show a man that I love and care for him, without the sex.
Don't get me wrong, sex is great. But I am not ready intercourse until it is complete, at least not until we had a discussion about it and that calls for being out with them. But if that person was FtM and knew that I am Mtf, then it would be 'OK, how are we going to do this" kind of discussion.