I think it is more of a psych trauma for her. She is scared he will change like the shitbag did after doing the deed. She has NEVER had a decent male in her life aside from Larl and he wasn't a romantic interest. But yes I agree shy virgin nonsense annoys me women are all different. If you want a non shy FL the following are good.
Don't Call Me Sister -sleeps with him day one shows 0 regret and proposes to him
Greatest Wish -They aren't married yet so nothing more than kisses but she does not shy away from physical contact and even initiates it
Princess from Hell -sleeps with him but then is like yeah thanks bye
Remarried Empress- she is a bit shy but she is also looking forward to it if the shitty MTL of the novel was correct (she saw him naked and wet prior to the wedding so she was having a tiiime)
You also have to think about the time period this is in. Back then it was the mens job to lead a woman in sex especially if they where virgins since sex education wasn’t give to women I believe. Shy virgins for fl are common because most female leads are essentially pure but sometimes it cant be quite a drag ╮( ̄▽ ̄)╭
I honestly feel like it makes sense in these stories because most of them marry with intent to divorce in the future (which is already kinda unrealistic and would have made her seem undesirable) which is why she would have especially needed to keep her virginity or she wouldn’t be able to find a new husband personally I also just find it predatory if they’re in a strict contract relationship with no love and then he expect her to still have sex with him but also no desire to take care of her future
I'm not sure why, but it bothers me when the first night is ignored in these kinds of stories. Like, marriages weren't considered binding unless the first night had happened!! I'm always happy whenever a story following this premise (contract marriage/engagement) actually follows through with the first night. I don't need anything terribly graphic, just an acknowledgment of it happening. I love many stories without the first night, don't get me wrong. It just always bugs me when we get the "shy virgin" act from EVERY female lead... like what did you think marriage was going to entail? Sorry, weird rant. But, yay, first night!!