I understand the way you feel asking yourself questions about sex... is it going to hurt? Should I use protection if I'm married? Etc. I also believe that you should have sex when your married for health trust and religious reasons I suggest that you find somone you trust and have the same beliefs that you have so then you feel more comfortable with the person you have sex with for the first time and even though you have not had sex or your future partner hasn't check for HIV/aids because you can get it through hereditary genes and it dosent matter if you are in your 20s and haven't had sex many people in there 20s choose not to till marriage and there should be no problem if you and your future husband feel the same way
P.S just cause your friends may have sex befor you don't rush to get married or forget your beliefs stay strong and just stay with what you truly belief or it might affect your life