hzl, your not the only one here you hasnt done it. Neither have my girl friend and I. We talked about it, but I am not ready.
So regarding the question.. when both of you are ready to take on the responsiblity that comes with the deed. Responsiblity doesnt mean putting on a condom, the emotional, physical, mental, biological things that go into the act called "sex".
If you want to beat the pipe, just go rent a porno.