If the question was "Should the Bible have moral authority over what I do?" then that would be a much easier question to say 'Yes' to.
Also, I don't know if premarital sex comes under the heading of "theology". This seems more like practical ethics or morality. I believe that an entirely secular argument can be made against premarital sex. Adding that the Bible inveighs against it is important for Christians, but not for anyone else.
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