I watched this movie about 10 years ago, but it was a lot older than that. It was quite similar to The Notebook in that I recall it having a lot of flashbacks to around the 50s.
The scene that I recall is one in which the woman surprises her boyfriend (who is working on a construction site for building a house). The woman goes upstairs and sits the boyfriend down on a chair and proceeds to take off her dress with her chest exposed. She then sits on him, facing towards him. I think that it then starts raining.
This mostly would have been an ‘appropriate’ movie as I would have been about 10 years old the first time I watched it.
Check out, The Crying Game (1992)
https://www.imdb.com/title/tt0104036/
It has a scene of the girlfriend (also hot) going to a construction site where the husband works and surprises him. There is not quite a love making, but considering it appropriate for a 10 year old, it could be this.
no this isn’t it, unfortunately.
The scene had full frontal nudity of the woman’s chest at least