Questions questions questions

I am 23(boyfriend is same age) and have a few questions pertaining to sex. I know quite a bit about sex, but am still a virgin. I just know from books and discussions with friends. I am a virgin because I just haven’t met the right guy yet, but now, after 6 months of dating I believe I have the right guy. I haven’t told him I’m a virgin yet. Im not sure he needs to know at this point. Sex is sort of taboo in my family so I don’t ask questions. Anyway, last night he touched me “downstairs” for the first time, just outside my underwear. That’s all I let him do. I moved his hand if he tried anything more. I touched him too, but wasn’t the first time.I just touched him, didn’t actually get off or anything. I didn’t because my last boyfriend would ask me to and I did. This guy doesn’t ask so I just don’t. Anyway, he had an erection the whole time, he usually does when we are together, even if we don’t do anything but watch a movie. However, he has no precum? This is the strangest thing ever to me? My last boyfriends had precum like crazy so what does this mean? Does that mean he masturbates a lot? I thought it might. He keeps lotion in his bathroom and every couple of weeks he will have a new bottle where the old ones have been used. Im talking huge bottles of lotion and I know he doesn’t use it all on his hands and body. Anyway, the last time he had sex was like three years ago I believe. He doesn’t just have sex with anyone, he is very picky and he was in a commited relationship then. SO since its been so long for him, Im guessing he does masturbate a lot, but im wondering if that’s the reason for no precum? Im just wondering and didn’t know who to ask. When I touch him, he will just kind of giggle and I’ll say what? He’ll say nothing I just think Its cute because youre’ so curious? What does this mean? I guess he means because I touch him but don’t really do anything. Lastly, I am not ready for sex just yet but like him touching me. Guys, can you get any pleasure from just touching a girl outside the clothes? Just crious, don’t want to ask friends and cant ask family