The girl and I both live at home, and this is our 4th date. End up in the car listening to music and eventually making out. Progress through the Escalation ladder, hitting LMR with bra removal. So I skipped it, went to fingering her and pants fly off. Went back to the bra, got the same "we're not having sex". Back to finger banging her and clitoral stimulation. Then ask "should I put on a condom" and get the we're not having sex again. I continue to get her off, but alas she only provides a grind/lap dance.

What could I have done? Not sure a freezeout would work in the car. Maybe completely stop, change music station then come back, sit, chat and restart the make out.

Thanks