When should I have sex?

So my boyfriend and I have been together for two months and I really want to have sex with him but I have my reservations. Like everytime I'm with him I want him so badly it's crazy but I usually just keep it to myself. I know he wants me too because I can feel his boner all the time but he's super respectful so I just don't mention it. Last night he fingered me (upon my request) and it was incredible, but now I'm not sure about myself. I'm the kind of person that usually leaves no stone unturned so is two months enough time to judge a persons character? When it's in the moment I'm all for it but after I wake up the next morning I'm just unsure of everything. I feel like I'm overthinking it like is it too early or should I just follow my instincts in the moment?