Oh.. the "nice girl" ball-buster lure..
It's a mild insult to her ego and image of herself.. she doesn't want to be thought of as a prude or conservative, close-minded, sexually boring..
And to that, while under normal conditions i'd tell you to keep bluffing, because she'll eventually give in.. just out of ego recovery alone.. i'm going to have to say that it would be cruel..
She wants to do it, but given the whole housing situation, it's almost sad.. because she wants it, she wants to make you happy, and the ego motivation is only adding to the pressure, constantly reminding her that it's just not possible to have sex right now.. and in that aspect, it's a bit cruel..
You can, and should.. just pocket the whole thing, keep it on the side for when the housing situation gets better.. and after you start having sex on the regular, and feel you want to take it up a level.. you can tap into this pocketed situation, and re-challenge/bluff her again.. only this time, it's really not a bluff.. because you know she'll do it.. and if she doesn't.. it just shows HER that she's sexually boring.. so she'll do it out of pure ego recovery.. and it's really a perfect time to do it.. to take your sex-life up one notch.. I wish I had the same luxury in NYC.. but then again.. sex in public, sex in private.. if nobody is watching you.. what's the difference?