For myself it's important it is with the right person, not a disrespectful dishonest user or game-player.
Having major surgical scarring myself, if I'm going to get naked with someone, respect is pretty damned important - someone disrespectful who will gossip in an immature way behind my back is an absolute no-no.
I fail to sympathise with views which say respect or integrity aren't that important. Having sex with someone is pretty intimate and by its nature involves a large extent of trust. Nothing damages trust more than dishonesty or game-playing. A disrespectful sexual partner has the potential to lead to a lot of mental and emotional hurt.
So I'd suggest finding the right person (not necessarily a life-partner but certainly not just any old user either), not just losing it to whoever for the sake of it. Having sex should also be a personal decision and NOT the result of peer pressure or trying to be "cool". Nobody is a "loser" for not having experienced it.
Oh and finally, forget about religious zealots who judge premarital sex as a sin, not just for themselves but judgmentally imposing their standards on everyone. They are brainwashed and deluded.
Nothing wrong with a bit of "do it yourself" too to find what floats your boat.
P.S. The hell was that worthy of a neg for?