So I'm a virgin.

Okay so I'm not a total virgin, I've done some stuff. I'm a very fluid bisexual and I've gotten down and dirty with a girl or two and given head to my boyfriend but I haven't technically had "Intercourse". Granted I'm only 18 and definitely don't need to have sex. But I've been with my boyfriend for about 2 years and I absolutely love him. I want to have sex but we're both terrified about it. We have condoms and I track my ovulation, so if we're careful the chances of me getting pregnant is very very slim.. so that isn't the issue. I'm just nervous to talk to him about it. I'm almost 19 so I'm not really worried about my reputation getting messed up if I lose my V-Card, and I know I could wait.. I just really want to, I'm just scared it'll hurt and stuff. Am I overreacting?