An earlier version of this post stated that silicone-based lubes could make them less effective. It sounds like you are doing the right things, and you are on the right path. But if you are scared or cannot be naked because of how you look, it might be a sign that you're not quite ready to be with a partner. Giving her oral, and fingering her. Seriously, don't get wrapped up in performance. It's also worth factoring in the idea that it's the ultimate goal for men to "take" a woman's virginity.
But be ready with protection.
19 Things You Should Know Before You Lose Your Virginity
We did LOTS of messing around before we had sex the first time, so I was familiar with the sensations of him touching me and me touching him, and what it felt like laying with him naked and how he reacted to certain things and how I reacted to certain things. In general, these contrasting conceptions of virginity divide down gender lines: This kind of girl usually has a lot of sexual experience, but not vaginal penetration. Not every vagina bleeds like a stab wound the first time you have sex. Do some aftercare. It doesn't "break", but it can be damaged by anything from tampons, doing the splits, or when having sex or inserting larger objects in, which causes the pain most virgins feel. Foreplay, foreplay, foreplay.