So I Started Reading Sweet Reckoning by Wendy Higgins...

Goodreads

"I pressed my knees together, shocked that I lay naked in front of Kaidan Rowe and he seemed not to care. He stood at the end of the bed, unclasping his belt, which made his cargo shorts droop low on his hips. I had to swallow as he unzipped them. 

This isn't happening.  I took a cue from his playbook and appeared slightly uninterested, keeping my eyes on his chest as his shorts dropped to the floor. Don't look, Anna, I told myself. Kaidan Rowe was nude, in all his glory, and I had to pretend to be unfazed. I couldn't be caught gawking as if it was something. I'd never seen. Which I hadn't, and didn't want to now. 

Not like this. He won't do it, I told myself. He won't. Not like this."

Anna and sweet hot Kaidan seem to be caught between a rock and a hot place. Sweet, innocent, Anna thinks she needs to not have sex, ever, in order to stay pure and be able to use the Sword of Righteousness. Everyone seems to be conspiring to take away her virginity however. To think, the fate of the world, or at least the Neph, depends on Anna keeping her pants on... Sillier things have been written about I guess lol Still, even as silly as the whole thing seems, I always seem to end up enjoying the silliness as well as everything else.

PS; The girl on the cover looks like Anna Paquin.