I havn't personally gone through the problem myself, but i and my friends have had many thoughts on the 'waiting' question.
Why did you choose to wait in the first place? You say because you thought it would be 'cool'...to me that seems like completely the wrong reason, its not an image thing at all.
Unless you have real reasons (maybe religion?) for wanting to stay a virgin till mariage then why do it?
As for 'testing the merchandise' It has always been the predominant reason i chose [b:19e393431c]not[/b:19e393431c] to wait until marriage.
You really need to question your motives, if you still strongly feel that you do want to save it for your husband, then thats that. If you decide that, actually, its a bad idea, then make sure your with someone you really care about, and who really cares for you, before you get busy under the sheets
Hope this helped, I think i rambled a bit :?