First Time

Hey ladies, I've got a question for y'all that I'd love your opinion on.

I'm 19, and a virgin. Lately I've been considering losing my virginity on a hook-up to get it out of the way, but I've had a few friends say this is a bad idea that I'll regret. Personally I don't think I will, but I'd love more insight/opinions from a wider group!

Also, for my fellow bi/sexually fluid girls, do you normally feel more comfortable with a male or female partner?

Please keep this friendly, I'm not looking for trolls!