Honestly I decided to lose mine at 16, it wasn't with someone I *loved* per say, but it was someone I trusted, both to not be a dick about it and not to tell everyone about it like he won a prize or something. It was pretty great, it hurt a bit at first, I bled (a lot o.o) but then It didn't hurt anymore. (felt pretty damn good actually)
*shrugs* I never really felt any different, and I didn't see why everyone always said to wait until you were with someone 'special' I never regretted it, and I don't think I ever will.
Also I thought he was pretty cool by not making fun of my room at the time (my parents decided that at 16, I needed a room painted entirely pink >.<) was a horrifying sight, let me tell you lol
Edit, just realized that I posted in here twice lol ^_^ oh well, this one is so much better written ^_^