My (M25) girlfriend (F28) has hangups around intimacy

So to preface, I love this girl with all my heart. She is the smartest, funniest, kindest, most beautiful person ever. We have been together for around 8 months now after meeting on tinder.

However, since we became intimate early in our relationship, some things about her sexuality were a bit weird to me. She told me the following:

1. She had never in her life masturbated.

2. She had never experienced an orgasm.

3. She had a high body count. I asked her what she did when she was horny if she did not masturbate - she said "I just had sex with someone."

4. She doesn't let anyone touch her genitals with their fingers or their tongue. Penis only. She says it's a version of germaphobia (though her family owns a farm and she shovels animal poo with bare hands, or helps animals give birth.) She also is studying to be a doctor and does pretty gruesome stuff all the time.

Now, at the beginning, we used to have sex maybe once a week which was enough for me. But now, for the last 2 months, we had sex once.

She loves me - she wants to meet every day, loves touching me or cuddling all the time. She calls me out of nowhere just to talk. Remembers the tiniest details. Brags about me to her family and friends.

But you know, it sucks when we cuddle in bed, naked, and nothing happens.

We talked several times about this - our communication is extremely healthy, we never fight, we resolve issues sensibly and constructively. She says she also doesn't like she is like this and that she is trying to change that. But no results can be seen from my side.

I don't blame her. She doesn't need to compromise and the relationship is exactly how she wants it. So why change that? She doesn't have any stress (she is now having her summer holidays, no school, no job, no stress). Her family situation is stable and loving (I am almost jealous). She has no past trauma with men or medical issues.

We don't live together yet but I take care of everything at my place, cleaning, cooking, paying, simply being a present partner.

I also started a custom of frequent "checkup talks" where we sit down together and talk honestly about any issues we feel need addressing.

The thing is that we are both attractive, athletic, we work out basically every day. Yet to me it seems our bodies are "wasted" like this.

What is this? Asexuality? Does she not love me anymore?

TL;DR: My girlfriend is very loving and affectionate, but has always had an unusual relationship with sex: she has never masturbated or orgasmed, avoids most genital stimulation, and now rarely wants sex. We’ve only had sex once in the last two months despite otherwise having a great relationship and communicating openly. I’m trying to understand whether this could be asexuality/very low libido, something else, or simply sexual incompatibility.