Kissing is the foundation of physical pleasure and often that's enough. Maybe it's when a true mental/emotional bond forms that further physical pleasure can be breached? Either way...there's something to be said about enjoying some good kissing.
No need to settle down until you're ready. in fact, it's far worse to settle down when you're not...then most likely you'd be unhappy. You seem like someone who enjoys being happy... @Katty1984