Sounds like you have been giving it quite a lot of thought which is good. I definitely agree that it shouldn't be a spur of the moment thing when you're young, if your first time ends up being a one night stand I promise you'll regret it big time, even aside from the very important health issues. My first time was a month short of my 16th birthday, with my boyfriend of 1.5 yr who was also my best friend and who i trusted totally, he was also same age as me. We'd been talking about it for prob about 4 months before actually doing the deed... neither of us felt pressured. We split up 1 yr after that, just grew apart. Now, 7 years later, I don't regret it at all and I'm so glad he was my first. We are still good friends! But on the other hand, we were talking about it the other day, and both agreed that if any child of ours was having sex that young we'd go ballistic!!!! Funny how things change... just give it LOTS of thought and try and think about how you might feel about it in the future (though I do realise this is pretty much impossible!).