I definitely second the Reply series, especially Reply 1997 since it fulfills every single condition. Shiwon (FL) is definitely as annoying as she is innocent (and you seem a bit picky about FLs so I have to warn you there) but that’s also a charm of it, and she’s my fav of all the Sung daughters personally. You did mention you don’t like kissing or (implied) bed scenes and the series does feature that, so be advised.
In 1994, while it does suit, Najung (FL) does act on her love towards the object of her affection before he reciprocates, but it’s implied it’s possible he liked her first and just wouldn’t act on it because it’s complicated. She is very, very oblivious to one of the male leads but I won’t say which because it’d spoil the endgame.
In 1988, Deoksun (FL) IS (very) innocent but she also tries to ‘call in’/encourage love from multiple people because she’s young and just wants to date and be loved as the forgotten middle child. Again, she’s extremely oblivious to the feelings of one of the male leads. In 1994 & 1988 it’s less obvious who the male lead is (although I think it’s still glaringly obvious) so I don’t want to potentially spoil it since the husband hunt is an iconic part of the show that should be enjoyed.