All you people making fun of the OP for not kissing this girl despite having dated for 3 weeks...you're really the most immature ones here. If you think the physical stuff is what matters in a relationship, I'd love to see how your marriages work out. You want to know why so many marriages fail these days? Because so many people try to build them on a foundation of superficial infatuation and physical "intimacy," rather than a deeper emotional and psychological connection. Seriously, quit acting like hormone-flooded 15-year-olds and grow up.
That being said...how exactly is this an FML? Okay, so the guinea pig went down her shirt...so what? Animals do stuff like that. I fail to see how this is a bad thing for you, nor how exactly it relates to the fact of dating for 3 weeks without kissing.