Back in 1950, there was an answer to this question. Now, it is just too complicated. There was a 96 year old woman in the news recently - I think that was her age - who just lost her virginity. It was odd enough to make the news, but overall it was still not considered bad. Just odd that she would go through with it at all after having waited so long.

It sounds like you know what you want. I think you shouldn't compromise. It is much nicer to get what you want and most people don't know what they want, even.