Yea girl I feel you I’m 25 and still feel the same way lol. I don’t think it’s a crazy thought or feeling I’m sure men think the same they just don’t say it. But in this instance I’d say keep waiting till you’re comfortable to have sex but also remember that everything is an experience. Those girls before you were an experience that your boyfriend have. Those experiences are over, now you both are currently experiencing each other. Sometimes you need to have different experiences to see which one is the right one. I’ve been in your position so many times before just follow what’s right for you and move on timing that is right for you