Well, dazed, you just
[img:a533d78fe4]http://www.boomspeed.com/sparkypics/owned.gif[/img:a533d78fe4]
me
I can't rely argue against a defense like that. I wouldn't want to either, they are all very good and [b:a533d78fe4]true[/b:a533d78fe4] reasons to wait until marriage.
But its not as if every couple who started having sex before they got married get a divorce or something. Im sure its a minority.
As for pregnancy/STD's, these can quite easily be avoided if your sensible about it and take responsibility for your actions

But loosing the respect of your boyfriend?! What do you mean?