Gee, I waited until my thirties to do the whole thing. And that was on my wedding night. Later my husband said had I given into him earlier, then he would not have married me!
Some men are looking for virgins. If a man had had a problem with me on that issue, then I would have sent him packing! It's great to have sex as a special experience, not just two bodies rubbing against each other. (Sorry to be a bit graphic.)