FWB is not for you.I'd way rather have the cuddling and talking without sex if the alternative was sex and no talking. I'm such a woman
FWB never really works out the way anyone wants it to... One usually gains emotions for the other... someone ends up hurt or things become awkward. (Or so I've observed....) Occasionally, a relationship ends up being forged.
FWB is a great concept but just doesn't work well in practice.
To answer your question from a personal stance, the only time I ever had a FWB it was just my current fiancée at a point in which we weren't ready to commit to a relationship, but still wanted to have sex.
As always, YMMV.