You said religous/moral reasons aside so...
-I DO NOT, I repeat, DO NOT want kids right now. PERIOD. Abstinence is the only fail proof birth control. For me, having sex with a man who is not my husband is not worth the risk of getting pregnant and playing the waiting game with my cycle every month.
-I have a personal thing about self-preservation. I consider sex to be a sacred, soul-tying act so I'd like to reserve that for a man who is willing to make a more meaningful commitment than carrying the title of boyfriend.
-Like kids, I do NOT want any STDs. It's just not worth it to me. There will come a time when doing the mutual testing and sharing thing will be apprpriate. Now is not that time.
-Sex clouds judgment. At this point in my life, I'm marriage-minded so I'm looking at a man's character, lifestyle, values, etc. Sex makes certain relationship decisions more complicated than they have to be. It's easier to overlook glaring personality flaws and red flags when you're sharing the intimacy of sex.
I don't see anything short of marriage moving me away from my celibacy. Every time I get hot and bothered, I think about kids or how it would feel to be told I'm HIV+ and suddenly my hormones calm down.