Edit

I can morally handle sex without a date, I just can't morally handle sex with somebody with a girlfriend.

Cheating is not a good idea.
Take it from someone who knows, and cheated on her boyfriend (at the time) on their 1 year anniversary with his friend/coworker.

I just can't be involved in something like that.

And I am naive and realizing that you can't talk to any guy about sex things, or at least I can't, and have it not be eventually called leading them on.