16 too young?

I am 16 years old and have been dating my boyfriend for about 2 years now. Not long ago we started thinking about sex. We talked and talked about it... we were sure that we wanted to do it. We ended up waiting though.. just to make sure it was what we really wanted. and currently we are still waiting. We want to wait till the end of summer. I might be over thinking it though. Having sex with a guy I really love seems so fascinating. I'm not scared one bit. The only thing I am scared of is pregnancy. Yes we will use condoms and pull out. For some reason I'm just worried about getting pregnate ... any advise... wait... or do it? ready or not?