Virginity questions

My boyfriend and I have been dating for over a year. We are both virgins still. I just have some questions...

- how do I know I’m ready to have sex?

- does losing your virginity hurt?

- should I only have sex with him if I feel that the relationship will last for a long time?

- He’s ready for sex. I’m undecided. Is my hesitation a bad sign?

- what is the meaning or romantic notion behind sex? Maybe I’m overthinking it

- what will that mean for us if we have sex? Does it mean we are more connected?

- should sex only be had in long term relationships?

- should the first time be special?

- will losing my v card change me?

- will losing my v card make heartbreak worse?

- is it easier for him to go to college and lose it to someone there? Idk I mean if we break up

(For context, he’s a senior and I’m a junior and he’s gonna go to college and I don’t want to make anything too permanent before he leaves).

Feel free to answer what you want to!