Shezbut, thanks for the hug, it is very touching (no pun intended) and has made my day!

DrSkipper, I thought more on this. I do not just regret not starting sex earlier than at 21. I regret a lot of opportunities that I forewent at different junctures, mostly out of feeling of loyalty. And in many case, the person to whom I was loyal was not worth it. Or the relationship disintegrated. And in hindsight I might as well have had my fun, and the candidates all seemed very promising. I have read about other people regretting passing up sex. Sometimes, when it is out of loyalty to a worthy person, the regret is light-colored and faint; other times, it is pretty serious.

Back to the WHEN question. I had a friend and for a mere two months a boyfriend when I was young. I abandoned him in favor of another boy who later became my first husband, which was a bad decision. The 2-month boyfriend was a genius composer, probably bipolar who later died of suicide when I was already living in this country. We were very close as friends and I waited for so long to have sex with him for two reasons: 1) the aforementioned ambivalence, courtesy of sexual abuse at the hands of my dad 2) loyalty to another common friend with whom I had a long distance relationship.

Knowing that he died makes me extremely sad that I had not had sex with him earlier. I wish I could have given him all the pleasure in the world. I did not. I regret it. So yes, I deeply regret not starting sex sooner.

This is a fringe story, and yet, I do not think that I am alone. All in all, I think your idea that no one ever regrets not starting sex sooner is far from reality.

With all that said, I remain of the opinion that at the present juncture the OP should wait.

Sincerely.