So where do we find Mary's and Joseph's vow??
What do YOU think this young woman's reaction would be? Would she say, "How can this be, I've never had sex?" No, because she would assume that the future event you were talking about would happen AFTER she married, she and her husband would have intercourse and conceive a child. The expected response from the young woman would be one of excitement, maybe a little apprehension, but mainly excitement and joy.
The Blessed Virgin Mary's response in Luke 1:34 ONLY makes sense if she NEVER INTENDED to have intercourse.