Great friend you've got there. Age has nothing to do with it and it's not something that "has to happen" at any certain point in your life. You're right to be nervous and I commend you for keeping your virginity as long as you have. Thing is that it's not a status thing and your friend should go jump in the lake if they judge you for being a virgin. It should be at the time you're comfortable and it should be with someone thats definitely important and special to you. This casual sex thing, I'm guessing here, will just leave you empty after. I have never had the "casual" sex thing and I'm old fashioned in this but I'm pretty sure I'm dead on.

You haven't even met this girl and you're contemplating sacrificing what you want to do for yourself, taht is, relax and enjoy your family? NO. Just no. She is not even one you are sure of will stick around or that you'll even hit it off yet so that's far from actually making this sacrifice for a girlfriend of x years or what not. It's just way too early to start bending your life around her wants or needs.

If you are uncomfortable with the idea, then don't do it. It's not the makings of a good relationship start.

In all I think you're pondering things for the wrong reasons. You shouldn't even be pondering sex with this girl but if you even do meet her, to enjoy your time, get to know each other and have fun first.

hope this helps
S4