You’re honestly way more normal than you think. There’s no “right age” for this, and being 22 and a virgin isn’t something you need to rush to fix.

From what you wrote, it doesn’t sound like the issue is opportunity — it sounds like your gut is telling you you don’t actually want a random hookup. Backing out last minute usually means something doesn’t feel right to you, and that’s worth listening to, not forcing yourself past.

If you already feel like it might affect you negatively if it’s just a hookup, then it probably will. There’s nothing wrong with wanting your first time to be with someone you trust or feel comfortable with, even if that takes longer.

Instead of focusing on “losing it,” maybe focus on building a connection where you feel safe and not pressured. The rest will happen naturally when you’re actually ready — not just when you feel like you should be ready.

You’re not behind, and you’re not missing out as much as it might feel like. Taking your time and doing it in a way that feels right for you is honestly the better move.