@dave670, seems like you had good reasons to hold on to your virginity for that long, and also a good reason to lose it.
The younger, idiotic version of myself lost my virginity at 14 years old. Barely remember it. After that I was pretty much trying to knock the holes out of any girl rated over a 6 on my scale(which wasn't difficult, especially after a night of drinking.)
Basically what I'm saying is I was a turd until I met my now wife. On Wednesday will be 1 year anniversary. Congrats man, just remember sometimes life sucks, but sometimes it just blows.