So in otherwords.. it is you and you're not turning her on enough. I think that was mentioned back on page one which you dismissed.
Try seducing her and making her want to reciprocate. When you are pleasing a woman, when you bring out the passion in her then she, (most times) if she's not inherently a selfish lover, will get turned on by pleasing you they way you please her. So: You either train her to be the passionate lover you want her to be (which you will do if you actually love her and want her in your life) or you leave her right now and try and find someone more sexually compatible where you don't need to teach.
You really do sound quite boring in bed. I don't know if this is the norm or with this girl, it's the exception to the rule.
Stop sleeping int he same bed with chicks you haven't had full blown sex with yet. It confuses the matter as you've admitted by saying that you're not sure if you've friendzoned one another or not. When you've already had sex, then sleep with her in the same bed. Doing so before you've had sex makes you her cuddle bitch ~ as you've discovered.
You can make out and pet in her bed.. don't sleep with her in it though ~ go home to your own bed for goodness sakes.
“The willingness to accept responsibility for one’s own life is the source from which self-respect springs.” ~Joan Didion