Jax, I'm sorry but I'd have to disagree. Sex is a MAJOR deal, for many many reasons, and it obviously is for Amalthea. I'm actually really scared of having sex as well, though my boyfriend is absolutely incredible and respectful of me (granted, I'm younger, but inexperience is inexperience, right?).

Amalthea, I can't really add to what Maven said, save to HUGELY reinforce that last line. I was having a conversation once about the fact that I'm still a virgin, and was told, "Well of COURSE you're a virgin--you'd never do it unless it was really perfect, with roses on the bed, candles, silk sheets, everything!"
I replied, "It's not that I'd have all those things, it's that the man I'm with would be willing to go that far."

I know that doesn't really apply to you, but have you ever had a moment when you've been so lost with what you and your BF were doing that you didn't think about taking that next step? Perhaps if it wasn't abrupt, like, "We're having sex today at nine forty five in the living room on the couch! Aren't you excited?" and was more of a natural progression of your intimacy, it'd be less scary.

Basically, though? Go with Maven's post.
luck&love,
~muse