I was a virgin when I married. So was one of my sisters, and we're basically in your age group. Most of my girlfriends in college were not, although I've met quite a few women since then that were abstinent until marriage.
I'm glad I waited, and I've always been grateful that my mother told me "a moment of pleasure isn't worth a lifetime of regret."
Of course, I've been called a "freak" before on FR for talking about this issue in the past.
I've come to the conclusion, after reading this forum for four years, that I have very little in common with most folks that call themselves "conservatives." This thread is just more evidence of that.