Hi whereislove
Welcome to the forum.
I think that this is partly a case of different people having different beliefs & opinions on things and partly to do with personal feeling.
There are people who are happy to have casual sex with anyone at any time.
Some people will only have sex if they know the person well.
Many people will only have sex if they are in a long-term committed relationship.
There are still people will only have sex if they are married.
A lot of people will only have sex, if they are madly in love.
For those who have been let down by partners in the past, the level of trust required for a sexual relationship may be higher.
What are your opinions on sex and moral standards?
You say that you are conservative, but what exactly does this mean?
Are you comfortable with sex before marriage, as long as it is in a committed long-term relationship?
Would you insist on being in love with a man, who was also in love with you, before you would indulge in a sexual relationship?
Do you love this man?
Do you think that he loves you?
Do you fear being let down again?
Do you communicate well with each other?
Don't change for anyone, if you are comfortable with who you are.
Don't be coerced into sex.
But don't be unhappy because of who you are, either.
Good luck!