Maybe it will make more sense if I explain my reasoning better.
Just thought I'd post my thoughts since I'm a similar age to you. Totally respect your choice to get this ring if you feel it's right for you; just posting a contrasting opinion. I am very much PRO sex before marriage. I wouldn't be prepared to commit to someone for the rest of my life without knowing that we were sexually compatible.
- I'm not religious, but my parents are, and the stance they took, particularly when I was younger, was that you should wait for marriage but if you DID choose to have sex before, you should do it safely.
- I don't worry in the slightest about STDs. I use appropriate protection and have been checked for STDs and had partners checked before engaging in sexual activity. I don't have sexual relationships of any kind with someone on a whim. The chance of a condom failing, when used properly, and catching an STD from it, is unbelievably remote. I'm more at risk crossing the road.
- I have known several people who have stated that they wish they had not waited. At 24 I have seen three relationships end within two years of marriage by couples who 'rushed' into it because they wanted to have that intimacy. In at least one of those cases, sexual incompatibility was a fundamental factor in the breakdown of that relationship. I don't think I can base my own experiences on those of others, though.
-I grew up in a family in which physical displays of affection were not prevalent. I very rarely see my parents kiss, hug, or even hold hands.I grew up around two happily married people who did were not reliant on physical affection to show their love for each other, so it has simply never been a priority for me. Yes, this is exactly what you wrote. I have had an identical experience.
-I do not have to worry about an unintended pregnancy. Birth control can fail, but when used appropriately is almost 100% effective, particularly when more than one type is used. I would have to use hormonal birth control due to menstrual issues anyway, even if I abstained.
-Whilst sexual desire can vary throughout a person's lifetime, the difference I see between the love I have for a close friend or a family relative, and the love I have for my partner is that I have a physical and emotional sexual attraction from them. I am as close to my best friend as my partner in every other way other than physically. To marry someone without knowing that physically we were compatible and we would have a fulfilling sex life would be terrifying - not having that intimacy and being nothing more than friends would not be a marriage to me. It would be a family-like relationship.
-I agree that sexual innuendo on shirts isn't classy.
The way I see it is that marriage is committing yourself to someone for the rest of your life. I wouldn't go to a car dealership, look at a car, sit in the car and then buy it. It could drive like an old banger and we may not be compatible at all. Heck it could be an automatic whereas I prefer a stick shift (or it could be a stick shift for someone who doesn't know how to drive one!). I'd rather take it out, test it out, have some fun and see how the car and I get along before I commit. A partner for life is a serious business, and I'm going to do everything I can to make sure that when I marry someone, we ARE a good match and we DO have a fulfilling sexual relationship. Otherwise, we're little more than best friends (and if that's what I wanted, I'd marry my best friend!).