Confused virgin

Honestly I'm a virgin & I really want to have sex... but I'm so scared to actually do it.. I masterbate about everyday & I always orgasm and it's only by me rubbing my clit... I tried to have an orgasm by only fingering & I couldn't get off... so if I can't with my own finger, you can imagine I wouldn't be able to with a dick either... I'm just scared that I lost ability to orgasm if I'm not rubbing my clit & I havnt even had sex yet.. I'm worried & I'm avoiding ever having sex because of this.. What should I do? Should I stop masterbating? I need to do something about this, because I want to have a good sex life & I don't think I would ever feel comfortable with rubbing my clit while having sex with a man.. please I need all the advice I can get!