would you consider making out fully clothed with the guy lying on top of the girl dry sex?

Hi,
Yes, this would be considered "dry sex", "humping" or "outercourse". It is actually a great form of "safer sex", as there is no penetration, no exchange of bodily fluids (semen or vaginal secretions), so the chances of pregnancy are zero. There are still STDs that can be transmitted from skin-to-skin contact (hand-to-genital), and we can provide more information on this if you would like.

Please read this article on "dry sex": EmpowHER: Outercourse: Dry Humping, Dry Sex and Other Sexual Behaviors