Count Igor said:
or mature 15 year olds (I say 15 as it's close to 16)
There is no such thing as a 'mature' 15 year old.
15 year old claiming to be mature are precisely as immature as 15 year olds with no illusions about their inexperience and immaturity.
Unless that 15 year old was brought up in a war zone or has otherwise spent the majority of their life taking care of themselves and/or others, in which case that 15 year old would likely not be on this forum, discussing such frivolous things as 'when fucking is appropriate', they would be in the process of taking care of themselves and/or others.
I mean no offense to any teenagers in this thread or on this forum who think that being well-read, reasonable or intelligent is the same as 'mature.'
It isn't.
You're not.
It's to do with your life and experience:
At 15, you've spent about 3 years, tops, with any responsibility whatsoever, if that, you've had almost no life experience and have barely had time to make any catastrophic mistakes to learn from (the process called 'growing up.')
As for whether or not you're ready to have sex, that's nobody's business but yours, hers and your parents. Talk it over with them.
And wear a fucking condom.