Here's what you can do: Believe your girlfriend when she tells you of her pain and respect that. I agree with you that if she's seeing a change in function, she should visit a doctor, but you can't make her.
You can, however, give her incentive to bend in your direction by bending in hers first. She's asking you to snuggle and be intimate, something you can do in your spare time (like when you're watching TV together) and at no cost. Sex or no sex, this kind of touch is important to a lot of people.
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