Advice from older and experienced members?

Something happened recently which has left me with feelings of suspicion. I honestly don't think she's cheating, but sometimes I read or hear of the horror stories where a seemingly loving wife is cheating on her SO and he and everyone else is in disbelief. I don't want to be that guy, so I am seeking opinions here on the plausibility of this situation. We are in our mid 30s so I'd appreciate if the opinions are from 30s or older. No offense to the 20s and teens on here, but both men and women are just generally not the same in their 30s as they are in their party college days. We are engaged and as I mentioned, mid 30s. Neither of us has been married previously and we have no children. We've been dating since 2009 and currently live together. For the sake of the possibility this has influence on opinions, I will say we did go through a rough patch over the past year but have decided to work things out. Without going into too much detail since it will derail the topic, the troubles we had were financial and religious issues. We have had a good sexual relationship in the past, but due to religious reasons, we are not having sex anymore until marriage. She's otherwise very affectionate with me and seemingly happy. Recently she told me some guy at her work hit on her. She brought up the conversation. It seemed like casual chat and she was discussing it in a light hearted manner but at the same time she also gave off the impression she was a bit uncomfortable with it. 5 days later she asked me to check something on her phone for her and there was a text from an unknown number which read: "hey it's . looking forward to working out." The text was from a few days prior and she did not respond to it (unless she responded and only deleted her response of course, which is unlikely). I asked her about it and she said it was from "the creepy guy at work" and she insisted that he got her number from the office phone list. She explained their conversation to me and she basically says he was flirting with her and they both go to the gym so he said they should work out sometime. She says she sort of ignored this advance and certainly didn't give him her number. So that's the story. I am not sure what to think. Based on the text, for her story to be true, this guy would have to have dreamed her commitment to go to the gym with him and additionally took it upon himself to get her number from the office phone list and think it's ok to text her. I'm sorry but that's a tough pill to swallow. It seems more logical that she agreed to go and gave him her number. She denies all of this of course and due to our status in the relationship and since she is committed to not having sex (anymore) until marriage, I can't understand what she would have to gain from cheating. Aside from that, we live together and she never has "girls nights out." She's been out maybe a few times without me, but I have always been invited. Anyone have any thoughts? How likely is this situation? Are guys really that creepy? I cannot picture myself being that dense as to do what she is alleging this man did.

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