Imbro,

I grew up in Baptist-college towns.  Every girl was saving it for marriage, so I know where you're coming from.

Sex can screw up your brain!  Your "hanging brain" will take over.  You'll be getting screwed, in more ways than one.  

If all you want out of the relationship is sex, that's probably all you'll get, and in the long run, that won't be enough.  Amazingly, sex without substance quickly becomes inadequate.  Been there, done that.  Don't recommend it.

There's a lot to be said for SWP membership, at least until your big head clears.