Silly question that I have no right asking... Are you thinking of getting married?
My bf was 25 and I 20 when we first had sex.
My first time was actually in january of this year, and my bf and I had been dating 10 months. My first time was with just a condom, and we were and are still very much in love :)
it was kinda odd, because we'd talked about sex in december before chrismas break, but then I decided I just wasn't ready, so we waited. Then, he came to visit in january and brought his brother. So we're in the dorm room and my roomate is sleeping in there, and my bf's brother is sleeping on the floor, and for whatever reason, the situation was just right, and we ended up having sex (again, with a condom). Quietly, mind you!
As far as my expectations, I really didn't know what to expect, but I really really enjoyed it. He was not a virgin, but I was (obviously, since it was my first time o.O) it didn't hurt imo. I didn't bleed, but my hymen is kinda odd anyway.
So that was my first time...