Nobody is over-intellectualizing, just pondering the meaning of "love," with its many facets, and it isn't over-intellectualizing to consider the totality of significance a card has. Not to mention, there is no use insisting that you have your opinion, I already assume you do, but it helps if people come to discussions with an open mind. Looking at a card's attributions needn't be cold and logical, it certainly isn't for me, but it does help see different sides of a card that may not be apparent simply from the image, as well as make connections between different cards that would otherwise seem unlikely (hence, make connections between facets of life itself).
I look at the Tree of Life and it fills me with sensations (perhaps what one might call, wrongly, "intuitive feelings") even though I may speak in pseudo-intellectual terms. And I can't apologize, as the mindset of "this card means [insert trite, two word, empowering cliche here] is an over-simplification, as we aren't just talking about pictures, we're talking about concepts of life, and death, and love and lust and heaven knows what else. Maybe others' interpretations of Adam and Eve will instruct you, illuminate you or at the very least, allow you to develop you own ideas further, if you don't insist that that is what it means for you.
Death as sex? Makes sense; I've heard the moment of orgasm described as a "little death," a moment when one feels at union with everything, and for a brief moment one is alone in the universe, yet is also everything. There are, of course, many types of love. One can fall in platonic love in the sense of the first months of a new friendship. As to sex, well, there is the assexual community, healthy adults looking for love without sex.
No interpretation is completely wrong, but my point is expanding your ideas about any card can only develop your view of the card as well as develop yourself, and the Lovers is too "big" to be cramped in with the single idea.