Thanks to everyone for the responses.
About the allegations of cheating, I'm fairly certain it's not that. Pretty much 100 percent. (though I feel like it's hard wired into male brains, particularly when all my others have, that when a girls not sleeping with you , Who is she sleeping with?) She has been cheated on by every other as well, so she is adamantly against that.
This is why it's hard to talk about this situation, because when she was a teenager she had some issues that really affected her. and therapy even now would probably be good. Beyond that, in our relationship, there was a pregnancy scare, but we've had nothing really happen since the beginning. She pretty much went from trying to be sexual and affectionate for me, to just not at all.
She has told me that she had this same problem before, I believe. Though it's not an issue I enjoy prying into in depth for some reason. ahem.
I've tried my damndest to be patient about this, but this part of the problem has effectively been happening for well over 2 years. She's generally a pretty great partner, but physically, there's not a real connection there. So for her, it's not an issue, not being interested, but I'm feeling a major disconnect.
Thanks again for talking, I actually don't know who to talk to about this. She's pretty much perfect in most ways, she just doesn't like touching. So it leads to a situation where sometimes everythings fine, even great, but sometimes its not. But I guess that's life.