Are my characters virgins?

None of my characters currently in games are. Which, in Caldera, Bel has had sex in-game and lives with his main partner. Simon has been married, divorced and remarried, and has one biological child.

Ilphyl is not a virgin, but isn't as 'jump into bed with strangers' as their brother. OTOH, they have more experience with relationships, even if they also have figured out that making a relationship work probably means dealing with some of their trauma around women and sex.

(Cis women and sex; Ilphyl is a lot more comfortable with other NB and trans folks...)

TL;DR: Growing up under Lolth's matriarchy gives people issues, Part 72.

(For table top characters, I know Shakudo is because we decided goron don't do sexual reproduction. Rori comes off as young enough that he's not had sex but is interested in trying it, but is more interested in it being with the right person, and Isk is a kobold and has had sex, but also thinks mammals make it far too complex.