I actually think it is not necessary for them to have seggs and the story would be better if they don't as they are still too innocent
While I agree with you, they should definitely hold back for now, they arent as innocent as either of them initially appear.
Anna has basically admitted to fantasizing about Ichikawa many times and he has fapped to her, many times as well lol.
Masturbating many times isnt what determines how innocent they are though. Both have matured significantly thanks to each other's influence. Thats in addition to Anna's work already exposing her to more of the world and accelerating her growing up and Ichikawa already being prone to maturing faster than average cause of his quirks. They both default to putting the other one before themselves and have worked through more issues than most modern couples in University. They regularly push each other to be better versions of themselves and I love it.
Hell if they were adults they would have a better relationship than half of all marriages.
But theyre Still too young. Neither of them can properly take responsibility for the other if anything happens and neither can deal with the consequences if they get found out. They can probably handle the emotional side of things just fine if they do it and keep it private, but they cannot handle anything else outside of their own personal emotions with each other.