I would day that in some cases you may be holding yourself back, but not in this case. In this case, no matter how"okay with it" she says she is, you can almost bet that it will cause trouble later on.

And FYI, I was a virgin until I was 26 and it sure as heck want by my own choice. But guess what? It's had ZERO affect on our sex life in my 13 year marriage.