As a woman who is a bit older, my opinion is that losing your virginity is way over hyped. For women sex gets better as we get older. It will most likely take time for you to learn through trial and error how to, you know, really enjoy it. So basically what I'm saying is, the first time usually sucks for the girl. Dunno if this helps you any in your choice.

Also, if you want to kiss a guy that doesn't mean you're also consenting to sex. You'll need to learn to tell a guy no when he takes it there and you're not ready, and believe me he will be used to hearing it from women. Just date guys you have a good gut feeling about, a good guy is patient anyways.