on the first point, i have heard that sex does hurt but that using dildos and tampons can stretch the hymen so it wont hurt or bleed as much if at all.
on the scond point, id say im quite attractive, but i was 18 before i kissed a guy. i didnt love him, he just went to kiss me and i kissed it. it wasnt a big deal and i felt i'd wasted something special. i wish i had never kissed a guy so i can make the first one with someone very special to me. im now almost 21. i have not gone beyond heavy kissing and i do not plan to before marriage. and when i marry i want a guy who is a virgin
i dont suggest you should wait that long - do what feels right when you are ready. i dont mean sexually ready, i mean ready to deal with stuff that comes with sex - risk of pregnancy (abortion/adoption/marriage/single motherhood), risk of STDs some of which are permenantly life threatening or make you infertile, emotional harm, mental feellings of dirtiness or shame for some girls, deepening of the relationship with that guy (even if it is a 1 night stand it will always be in your memory as the first), pain and embarrassment of bleeding of the first time and not knowing what to do, and having to explain to your husband when you are married why you slept with a guy before you met him, not just slept with him but lost your v with him
i dont think at 15 you can possibly be ready for all of that. i think its better to suffer the consequences of feeling like the only 15 y/o vignin in school than go through that. sexual purity is a gift that i dont think young people can value until they are older.