Sugar Daddy?

So I’ve been talking to this guy who’s older than me (he’s 28 and I’m 19) and we have been getting along really well to the point where we’ve given each other oral and he has fingered me several times.

I’m a virgin and I really want to know how amazing sex would feel like, but he doesn’t want to make our relationship official. He’s single and really hot but I don’t want to think of him as a sugar daddy because he’s really sweet and nice and he hasn’t really bought me stuff or given me stuff. Whenever I don’t want to do something he understands and stop immediately and he asks if I’m comfortable trying new things.

I’m not sure if he likes me back, but I’ve been on the fence because I know it’s wrong for me to lose my virginity with him but at the same time I know he’ll be really gentle and take things slow because he took it really slow and was gentle when he first fingered me/gave me oral.

I just want y’all to give me your opinions or advice because I really want to have sex with him but I know it’s wrong. Any thoughts?