So, I haven't read through this whole thread because it's stinkin long, so excuse me if I'm repeating what anyone has already said.
As a single mother and some who's "been there done that" I urge people to PLEASE listen to people who have and learn from our mistakes. I wouldn't trade my daughter for the world but apart from the bible saying anything about it, sex is so hurtful and harmful outside of marriage, and more importantly, outside of God. He created us to love and to be loved. I don't think that He wants us to wait until the covenant of marriage just for kicks. He is not arbitrary. He is a good God. He knows that anything, when used or abused and outside of His design can hurt us. And because of His love and the lawlessness of man, He had to put those limitations in place.
Know that He isn't a cosmic cop and that within His design, sex can be a fantastic joining of two to become one flesh. And I believe that it's completely worth your wait.