i think you should do what makes you happy..your in the middle of your life..stop stressing and go for it..there is nothing wrong unless the other person isn't consenting

I see you are but another fellow Christian whom has believed the lies of church doctrine that are not part of the Bible. I am going to give you several sites for you to read, some are short and some are quite long but when you get to the end you will know there is no Biblical conflict with premarital sex, or sex when you are not married. http://www.libchrist.com/bible/premaritalsex.html This is an ebook and is quite long. When you start to read "Divine Sex; Liberating Sex from Religious Tradition" You want to read the Forward and Introduction first as they tell you where the book is going and the theological background of it. http://inkaboutit.homestead.com/files/Divine_Sex_Religious_Tradition__Questioned.pdf Lastly is from a rather controversial resource but when read along with the other information you can see the connection. http://www.xfamily.org/index.php/The_Devil_Hates_Sex I truly hope this information helps you and clears up your problems with fantasizing etc. Believe me when I say I was in just about the same place you are now until I started reading and studying and learning the Biblical truth and not Church doctrine.