Well, technically, one can only lose one's virginity through penile penetration. That being said, since no penis has ever entered my vajayjay, then, yes, I'm a virgin.
Next, I masturbate, but it's all clit action. I know, as an RN that an intact hymen is not a real indicator of virginity since women can tear or lose their hymen through sports or digital insertion, as in through masturbation, etc. Also, some women are born without hymens while some are born with imperforate hymens. But for me, personally, it's symbolic, that's why i never put anything in there.
Now to make my point clearer, I'm a devout Catholic, which as many of you know is big on CHASTITY. Although, I'm not being the perfect Catholic girl, I'm not supposed to masturbate according to the rules, hahaha, I still follow the "preserve your chastity" rule, meaning no sex till you're married, well, at least, no penile penetration. ๐