It is totally normal to feel like this, i'm very similar i dont like sex and love to be linked.
I am also a 20 year old girl although not a virgin. I have never slept with anyone i have been in love with, and i personally dont regret that, not that i am glad, but it doesnt really make any difference to me.
I think as long as you decide when you lose it, and you feel comfortable, its fine.
In fact i have slept with one person i loved, i loved that person more than anyone in the world, but it totally ruined our relationship.
This is a hard thing to give advice on cause it is something a lot of people can feel so strongly about.
I just think the main thing is, you do what YOU want, when YOU are ready, if you're in love thats great but if not thats fine too!