is sex worth the wait or am i missing out?

hi im a 22 year old whos been with several guys but never actually has had sex, ive had a serious bf and all but for some reason i never felt 100% ready and the casual times ive been with other guys i just feel like theres something off or they say something stupid and i never have actual sex but lately ive felt more pressured to do it bc i feel like its everywhere i go, i feel like i should just do it with the most decent guy i know and get over with but other part of me feels like i deserve to get at least a little more, im not talking about a serious relationship but idk, am i dumb? am i really missing out? :( pls