Brain vs body? I'm confused

So there is this guy that I have known for a while that has kinda let me know that he wouldn't mind hooking up with me. This would be my first time but I'm conflicted. Part of my brain and definitely my body want to just go for it but my brain is also telling me that I would regret it later. Both sides make great points but I'm just confused on what I should do. I have been thinking about this for a while and thought that I would have made a decision by now. I'm just confused. Help