First of all, it’s neither an albatross nor a treasure, BUT… it is something you will remember for the rest of your life (unless you do it drunk, which I don’t recommend), whether for good or ill. I lost mine to someone for all the wrong reasons (mostly because I felt it was an albatross and I thought I loved him, which was a rationalization… forgive the TMI); he turned out to be a bastard and now I have to recall him as my first forever.
Learn from the wisdom of my mistakes. My advice? Wait until you find someone you really like and respect. Have sex with her because you feel it’s the right next step for your relationship. I know it sounds corny, but you’ll thank me later.
I’m 32, so I’d be pretty damn surprised to be dating a virgin; it wouldn’t turn me off or anything, but it would make me think twice before just jumping into bed with him. As I said above, I think it should be a meaningful experience, so I wouldn’t want to plunge in (pardon the pun) heedlessly. This is not to say it’s a deal-breaker, but it would cause me to be more considered, mostly because I’d want him to have a positive experience and feel good about it (and me) later. So yeah, I’d want to know, mostly so I could be considerate of him.
I wish you the best of luck and hope you are able to go about this whole thing in a way that will leave you with nothing but fond memories later.