Sorry for a delayed response, I spent the last five minutes shaking my head in disappointment after reading your post... Anyway, more on topic, I believe you should only lose it when you feel you're ready, and find someone meaningful to have your first time with. I'm not saying you have to marry the person you lose it to, but it's a hollow victory if it's done with someone you never cared for in the first place, or if they didn't care much for you either. And the fact people like you "expect" people to lose it by a certain age, and let that affect your judgement of them as a person...well, that's actually pretty sad.