To be perfectly honest, my books are told from a female 1st person POV and has ongoing love-interests in the series.
I pitched it to agents as urban fantasy with a dose of sex. My agent pitched it as urban fantasy with a dose of sex. My editor wanted it as paranormal erotica. Marketing came back and said we should package it as straight up paranormal romance.
Marketing won. We toned down the sex in a few places, and it became paranormal romance.
The only reason mine is PNR is because of marketing. I think pushing yours as UF is a safe bet, especially with all the factors you cited.