AJ
If you want to wait til marriage to well consumate, more power to you. Not many people are able to make that sort of long commitment, a year, 2 years maybe longer. If you can?
I've read your posts and it's very easy in your present situation of not really having a longterm serious relationship to say "Hey, I wanna save myself for marriage." You'd be surprised what a boyfriend does and quite frankly, it takes a special guy to be patient. I know of people who got cheated on because they wanted to remain chaste.
Secondly, I truly believe that you should have a healthy sex life with your partner but if you aren't sexually compatible that could truly be an issue down the line and something that should be discussed or known before you tie the knot.
Lastly, STDs and what not can still be contracted even with a long time partner who's not completely honest, or is unware that he contracted something.