it's long but i need help

ashley

alright this may be long and i know its messy but stick with me.. alright so my first love broke up with me because we were going into high school and swore we would never have time for each other. two years later here we are best friends seeing each other every week.. except we're also kinda in a friends with benefits situation. and i serious one we almost lost our virginity. BUT ANYWAYS we have both told each other that we have feelings again so i asked him what's stopping him from being together again and he said that he doesn't want to hurt bc what happened when going into high school may happen again with college. i get it but all relationships come with the what if and challenges... what should i do? :( we're really great together and he says it all the time and how he loves being with me. we basically already act as a couple so i dont get it.. is he being rational or thinking too far ahead?