Minus, my fiance and I are doing the same thing... we are engaged, but we both live under the same roof. We worried about what people thought about our living situation, but we aren't sleeping together anymore... haven't for over a year, we are staying abstinate. He sleeps on the floor, just like you with cushions and lots of blankets. He had a blow up bed, but the dog popped it, lol. I sleep on the futon, because we can't afford anything else. We aren't sure when we can get married because my family doesn't approve of us being together, even though we are both Christian. We thought about just going and getting married at the court house, but i would like to be married in a church, and before you can do that, you have to go to counseling and stuff, for 6 months before you can marry..
Anyway, so you aren't alone in the living together thing and also being abstinent, we are in the same boat as you!!
God bless...