<human>: Give me the gist of the text in a nutshell

I warn you, everything in this story is very premature, I know. 

(Her = Ex)
My father dated her mother about 4 years ago. We were both 13 at the time. We started dating (as our parents were dating...) and they ended up moving in with us. We had a lot of time on our hands so we spent a lot of time with each other. (Keep in mind, she was my first "real" girlfriend, so I was very strongly attached to her.) We had sex a year into the relationship when we were 14. We lived in a big house, together, at 14 so it was basically sex heaven for the next few months. (She was on the pill, I wore protection. Our parents were very open about sex so they basically knew everything and picked condoms up for us etc)

Then we broke up for the first time. I broke up with her because I didn't feel like I "loved" her anymore. We had been dating for a year and a half. Our parents broke up too and moved out. The breakup hurt us both a lot because I still cared very much for her and I broke her heart. We kept talking and eventually started seeing each other again. I had a scooter so I could go to her house or pick her up) Then we broke up again. She dated another guy for a couple months and then came back to me. 

THIS IS WHERE SHIT GETS BAD. **Present day:** We are not dating. We **are** having sex all the time. We say I love you. We kiss. My family thinks were dating but we both agree its more of a "friends with benefits" thing. I don't think I love her. She is very clingy... needs to know what I'm doing all the time. I know its because she cares about me but I honestly want to end this because I am hurting her. She really loves me. A lot. But I don't feel the same way and I'm leading her on. What do I tell her? Just be honest? She is a really good friend of mine and even yesterday I told her I loved her. Please help...
<bot>: FWB relationship with ex although she is really in love with me and I want to end it without being too harsh.