You have mentioned your reasoning on why you would not want to have sex because it is not just a biological act, because it is a personal and intimate encounter. Very true. But, the reasons explain the above points and do not justify why sex cannot be had outside marriage. The only point being that it can leave one shattered and broken. But it depends on who the two individuals are. If a woman plans to have an "affair" with a married man, then yes, she is asking for trouble. But, if the two individuals have no strings attached, are mature enough to understand the sensitivity. I see no problem.
What about individuals who do not plan to marry at all because of certain beliefs they have against the institution of marriage? It would be unrealistic to expect these individuals to not experience what happens between two consenting adults.
