QuestionCan semen reach your vagina even when you have clothes on?
When a man ejaculates semen, it squirts out of the end of his penis with a fair amount of force. It can easily travel six to twelve inches past the end of his penis if there is nothing in the way. To better understand this, take a water gun and a piece of cloth -- such as a pair of panties. Wrap the cloth across the end of the water gun and give it several squirts. Notice that quite a few drops of water manage to get past the cloth. This is because cloth is porous. You can hold it up to the light and see the small holes between the weaves. Hence, if the man's penis is pressed against your vagina when he ejaculates there is a small chance that some semen will make its way through the material -- even if you and he both have your underwear on. I have in my files a "Dear Abby" column where a woman stated that she had become pregnant even though she and her boyfriend had never taken off their underwear. She was still technically a virgin when their child was born, as her hymen was still intact.
But then, it also doesn't matter how the semen is delivered to the vagina. Couples who engage in pre-martial sex (fornication) will engage in heavy petting or fondling(foreplay). This may include touching the genital areas. If a man ejaculates and some of his semen ends up on a finger that then touches the vagina, the semen is still transferred and the man and woman could remain fully clothed.
Well did Solomon warn, "Can a man take fire to his bosom, And his clothes not be burned? Can one walk on hot coals, And his feet not be seared? So is he who goes in to his neighbor's wife; Whoever touches her shall not be innocent" (Proverbs 6:27-29). You cannot play with fire and think there is no way you can be burnt.