My parents were somewhat religious, but we didn't attend church regularly or anything. I lost my virginity at 21, before marraige. I had fairly strong morals for myself, and new I wasn't ready to have sex until I did at 21. He was a virgin also. I don't regret doing it when I did or who I did it with. However, I did burst out of the gates at full speed after that. A lot of issues with sex developed after that and now I'm 28 and just starting a healthy sex life in my relationship.
I definitely respect those who respect their beliefs and wait. I don't have any less respect for those who don't though....if they're true to themselves. I definitely cringe at how young teens are having sex these days though. At my high school, we actually had a class you could take called up with children or something like that. It was day care for all the students with children. They'd bring their kids to school and the other students would take care of them in this class. They called my high school Maternity High. How I waited until I was 21, I don't know. Just listened to my heart and my body. I didn't have any kind of spirituality like I do today. Kinda got off topic there, lol.