Considering it there are probably quite a few different scenarios where you could be getting naked and interested together, one of you says "no", and then sex takes place anyway. I'm not sure I would necessarily consider all of them to be rape if they happened to me, and I think in many of them I too wouldn't get the police or the courts involved even if I did feel violated, and not just because it would be a case of one person's word against another's.

So despite my immediate gut reaction that she's wrong I think I actually agree with her more than I first realised.