VIRAL LOAD.. If you are kissing a chick, or having full on sex, eating her vagina & she has the virus, you could get Covid real BAD
This.
The newest data I've read, within the last week, has said one of the key determining factors of how sick you get with Covid-19 is the initial viral load you get. If you're on a bus or in a supermarket and pass by someone who's COVID-19+ and you inhale a few virus particles it may not be enough to infect you or you may have very mild symptoms.
But, to OP's point, if you're full-on kissing and involved in a steamy 60-minute sex session, that's probably a max viral load scenario, which if the person is COVID-19+, would likely result in you getting really sick.
I rolled the dice with a plate back in the summer and we f*ucked a couple times, but the case rates where I live were nowhere near what they are now. I'm holding off until all this s*hit is behind us. It's not that big of a deal to me.
I value my lungs and health way too much. Plus, I've known young, healthy people who are "Long Haulers" now contracting COVID-19 months ago and still not feeling 100%; out of breath constantly like their lungs have been damaged. Another person's sense of smell and taste never really returned to normal. COVID-19 has been proven to damage the nerves for tasting and smell. Some recover it and some don't. This stuff doesn't show up in the stats we see every day.
It all depends what your risk tolerance is.
Good luck.