Oh, just to clarify something... I have never EVER been taught that sex is inherently "bad" or "evil". I guess church may have tried that, but I had very good parents who taught me that there is absolutely nothing bad about sex, that it is a gift from God to be enjoyed (but because of its binding nature, within marriage). I don't believe there is anything wrong with sex.
My questions came mainly from the fact that I top my guy, rather than submit to him.
I'll still have some more soul searching to do, but everyone has made some really helpful comments. I've always intellectually understood the difference between religion's rules and a relationship with a "personal God" (as TomofSweden stated)... but I guess I never really understood it in my heart until now.