Indoubt - first of all a big hearty WELCOME!
JWD can be many things - solemn, interesting, informative, happy, supportive - all this and more and here you are!
Your post typifies a common experience (the pre-marriage conduct) with jws including myself.
What you should do, well, you're getting alot of advice but only YOU know who YOU are and how you'd feel looking at yourself in the morning.
Here is what I did. Fiancee and I had a loooonnng courtship. Eventually got pretty hot at times and alone with her. Conduct occured that mostly involved clothes on, sometimes not. But no relations. My conscience bothered the hell out of me (we were both reg pio's too, not that that means anything - just normal people heh heh) so I went to our po. He was a very kind and gental man who searched out the matter but not in extreme detail and offered private advice and checked up once or twice later. NO sanctions of any sort, but we sure worked much harder to stay 'clean' until we were married. We continued pioneering etc. He also gave our wedding talk at the KH.
Its obvious that there is great variety in how the elders handle these matters - the consistency is so faith strengthening!
boa