All I really know is that "we're just not compatible" is WAS and alien spouse speech as a reason to give to themselves so they can tell themselves that it is okay to bail on the relationship and therefore falls under the category of "believe nothing they say and only 50% of what they do" I know that is hard though. I have heard that line before, like most of us on this board.
As for sex before marriage, I too am a Christian and believe that pre-marital sex is the fastest and possibly longest lasting way to damage a marriage and I know that from personal experience. I can see how our past mistakes have crept in and caused trouble over the past two years of marriage.
However our God is a God of grace and while the consequences can be painful they can also be turned to good. So keep pressing forward!