[Kevin]

Not to sound crass, but from the tone of your post, you've already made up your mind and you're just looking for folks to tell you it's okay. It's no big deal. I think our culture tends to make sex a bigger deal than it actually is -- with all this 'abstinence only' crap (which apparently, you've been exposed to and are now reacting like 99% of people that message has been wasted on). But really... the opinions of folks on an internet message board who you don't even know should probably have zero bearing on your decision.

Just be careful about things so y'all don't end up being parents before you're ready.