underage and shtuff

yep, I'm back, said I would be if I had a problem! I'd post this in the Sex forum but my filter thing won't lemme in, so it's here.

my bf and I have been together almost eight months, we've been getting slowly but surely more "physical" and I think within three or four months we'll be ready to have sex (we're both virgins). however, the problem is my bf is younger than I am and won't be sweet 16 for another nine months or so! we've talked about it pretty extensively and the major problem for me is that we'd have to sneak around; I don't mind sleeping with him at all but I'd like our first time to be special, and it's much much easier if we don't have to keep it secret from everyone. that way we can actually spend the whole night together as opposed to a fumble in the park or something <IMG alt="image" SRC="http://www.thesite.org/ubb/frown.gif"&gt;

anyway, I'd love some advice on whether or not it's okay to go the whole way (relatively) soon. we do love each other, we know lots about contraception etc, and this is something that is gonna get a lot of thought, one way or another. do guys have reasons why they'd wanna wait (silly q maybe!)? anyone who's lost their virginity before 16, your opinion would be especially appreciated.

thanks everyone <IMG alt="image" SRC="http://www.thesite.org/ubb/smile.gif"&gt;